Commercial
IN: No-Cost OSHA Resources Available To Your Business
Dear Valued Customer, We’re always interested in ways to make your environment a better place, and the great news is that OSHA is prepared to help with trained people, safety information and tools. OSHA’s services include an On-Site Consultation Program providing a no-cost and confidential occupational safety and health services to small- and medium-sized U.S.…
Read MoreHow Can a Compliance Assistance Specialist (CAS) Help Me?
How can a CAS help me? Compliance Assistance Specialists in OSHA’s Regional and Area Offices around the country provide outreach to a variety of groups free of charge. These groups include small businesses and other employers, trade and professional associations, union locals, and community and faith-based groups. Compliance Assistance Specialists can provide general information about…
Read MoreWhat Happens During an On-Site Consultation Visit?
Because consultation is a voluntary activity, you must request it. To make a request, locate your state’s Consultation Program’s contact information using our OSHA’s Consultation Directory. The consultant will discuss your specific needs with you and set up a visit date based on the priority assigned to your request, your work schedule, and the time…
Read MoreIN: Certificates Of Insurance: Common Misunderstandings & Misconceptions
Dear Valued Customer, This issue of “———————-” focuses on Certificates of Insurance. A Certificate of Insurance validates the existence of an insurance policy, but it is much, much more. In addition to describing the insurance available to the named insured, a certificate may also convey information that the certificate holder is an additional insured under…
Read MoreIN: Protect Yourself From Sexual Harassment In The Workplace
Dear Valued Customer, In this issue of “—————–” we focus on sexual harassment in the workplace. The U.S. Equal Employment Opportunity Commission protects employees from being sexually harassed in the workplace. There are tens of thousands of charges filed every year, by both women and men. In just the last few years, companies had to…
Read MoreWhat Is Employment Practices Liability Insurance (EPLI)?
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind…
Read MoreIN: How To Lower Your Experience Modifier Rate
Dear Valued Customer, Lowering your Experience Modification Rate (X-Mod) is a long process, but a worthwhile one when you take into account the thousands of dollars you could save for your company, not to mention the improvements in workplace safety that will inevitably accompany those savings. The best way to lower your X-Mod is to…
Read MoreWhat Is Workers’ Compensation Insurance?
Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage. Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to…
Read MoreSteps To Reduce Workplace Injuries
Injuries to employees can be devastating for businesses, especially small businesses with fewer employees available to take on new roles when an injured worker is on leave. While workers compensation insurance will help pay medical costs and replace an injured employee’s lost income, your business will have to absorb costs associated with reduced productivity, overtime,…
Read More4 Ways to Lower Your Experience Modification Rate and Why it Matters
Losses are just one factor in your overall workers’ compensation costs. The other is premium. Many calculations are involved in setting the premium; it comes down to how much of a risk the carrier thinks it is taking by insuring your company. One of the biggest components of the premium calculation is the experience modification…
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