Direct and Indirect Workers’ Compensation Costs Explained
Workers’ compensation claims have a variety of different costs associated with them. Some of these costs are expected costs, while others are unexpected. Here’s the difference between these terms: According to the Occupational Safety and Health Administration (OSHA), both direct and indirect costs can have a substantial impact on employers and their bottom lines. As […]
Self-care and Your Mental Health
More than half of adults in the United States will experience mental illness—which refers to a variety of conditions that affect one’s mood, behavior, feelings or thinking—at some point in their life. Mental illnesses can occur occasionally, while others are chronic. Common mental illnesses include anxiety, depression, schizophrenia and bipolar disorder. Mental Health Awareness Month, […]
Prevent a Scare with Preventive Care
Every now and then, we stumble into those situations we categorize as “too good to be true.” “There’s just no way”, we think. We’ve been duped before and won’t fall into that trap again. But here is something that really and truly is good and believe it or not, it’s related to your insurance. I’m […]
Motorcycle Safety Tips
Riding a motorcycle can be an exhilarating way to travel on the road. But doing so also comes with significant safety risks. Before you hit on the road on your motorcycle, review the following top causes of motorcycle accidents and safe driving tips. Top Causes of Motorcycle Accidents Safety Tips for Riders Make Yourself Visible […]
Workers’ Compensation Insights – Employee Fraud
Workers’ compensation coverage is intended to help your organization cover expenses that may result from employees getting ill or injured on the job. Nevertheless, there is always a chance that one or more of your employees may attempt to take advantage of this coverage by committing fraud. An employee can participate in workers’ compensation fraud […]
Outdoor Exercise Safety Tips
As we move into summer, many will want to exercise outdoors to stay active and get some fresh air. That’s great news, as experts recommend at least 150 minutes of moderate aerobic activity each week. Working out in hot and humid weather can put extra stress on your body; however, there are simple precautions you […]
Making Cents of Financial Wellness
As many employers are well aware, health care costs and saving adequately for retirement are two of the most pressing financial issues facing Americans—regardless of income level—today. For employees, health and finances are impossible to separate. As employers seek to build trust and form lasting relationships amongst their workforce, financial wellness programs have moved from […]
Avoid Swimming Pool Safety Issues
Hot summer days and swimming pools are a great combination to enjoy some summer fun. Many homeowners add backyard pools as a way to entertain and beat the heat. However, adding a pool to your property also increases homeowner responsibilities. Keep these tips in mind if you decide to add a pool to your home: […]
The Value of Surety Bonds
The way project owners evaluate and manage risks on construction projects and make fiscally responsible decisions to ensure timely project completion are crucial to their success. Since private owners cannot afford to gamble on a contractor whose reliability is uncertain or who could end up bankrupt halfway through the job, a surety bond is a […]
EWG’s 2021 Dirty Dozen List Is Here
Nearly 70% of non-organic produce sold in the United States contains pesticide residue, according to the Environmental Working Group (EWG). Every year, the EWG ranks pesticide residue levels of fruits and vegetables based on samples taken by the U.S. Department of Agriculture and the Food and Drug Administration, publishing the results in the Shopper’s Guide […]
Save Money on Gas
Regardless of the vehicle you drive, there are many ways to save money on gas. Try these tips to cut costs: By Zywave, Inc.
The Importance of Reporting All Workers’ Compensation Claims
Employee injuries and illnesses are not always simple for employers to navigate—making the workers’ compensation claim process increasingly difficult. However, there are a number of measures that employers can take to reduce the cost and complexity of a claim. Specifically, when employers report claims in a timely fashion—whether to their respective state or workers’ compensation […]
Maintain Your Heart Health
According to the Centers for Disease Control and Prevention, heart disease is the leading cause of death for men and women in the United States. While there are some risk factors that contribute to heart disease that you can’t control, there are also many things you can do to preserve your heart health. Risk Factors […]
Back to the Basics: The Human’s Guide to Medical Insurance
Back to the Basics: The Human’s Guide to Medical Insurance Let’s face it – 9 out of 10 of us don’t fully understand how our medical plans work, and this confusion has a tremendous impact on both our health care and our finances. As we approach what is likely Open Enrollment season for many of […]
Homeowners Insurance and the Rising Cost of Building Materials
Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber. According to the NAHB, current lumber costs are up 340% from 2020. What’s more, lumber prices have […]
Product Liability Insurance Protection for Your Business
Product liability Insurance, also known as products-completed operations insurance, provides solid protection for your business relating to the manufacturing or sale to the public of products, foods, medicines or other items. Specifically, as part of commercial general liability (CGL) policy, this coverage provides protection against liabilities for losses due to injuries caused by malfunctions or […]
5 Ways to Cope with Pandemic Re-entry Anxiety
With the COVID-19 vaccine becoming much more widely available across the country, the topic of returning to in-person work, school and other activities is being discussed constantly. However, the country’s reopening coincides with the spread of the Delta variant of the coronavirus, which accounts for more than half of all COVID-19 cases in recent weeks. […]
Take Control Before You Enroll
We get it: benefits are complicated, and choosing the right medical plan for your unique scenario can be quite challenging. It’s no surprise that choosing the right medical plan is a challenge, and study after study has found that the majority of us ultimately choose the wrong option, putting our health and finances at a […]
Preventing Distracted Driving
Distracted driving occurs whenever you engage in an activity behind the wheel that takes your attention away from the road. Such activities can include using your cellphone, eating, drinking, plugging information into your GPS or adjusting the radio. Think distracted driving isn’t a serious concern? Think again. According to the National Safety Council, more than […]
Zero Trust Security Explained
Traditional cybersecurity protocols can’t keep up with the rapidly evolving modern workplace environment. The complexity of hybrid work, the rising number of fully remote employees and the dramatic increase in the use of cloud-based systems make traditional perimeter security ineffectual. A new security model is needed to keep the corporate network safe. This model is […]
Breast Cancer Awareness Month
According to the World Health Organization, breast cancer became the most common cancer this year, accounting for 12% of all new cancer cases worldwide. In addition, breast cancer is the most frequently diagnosed cancer among American women. However, some men are also at risk for breast cancer. The main factors that influence your risk of […]
Combatting The Great Resignation with Great Retention
Recent polls show that over 40% of US workers are actively searching for a new job. The costs of losing an employee range anywhere from 25% to 200% of annual salary due to lost productivity, hiring a replacement, and training the new employee. In addition, there are the intangible costs of impact on the work […]
Fall Home Maintenance
Fall signals a natural time of transition. Fall is also a great time to get maintenance tasks done if you live in an area where cooler weather is right around the corner. Care for your home this upcoming season by maintaining your home with the following tips: By taking the time to maintain your home […]
Cyber Liability Coverage in the Construction Industry
In recent years, cyber incidents have surged in both cost and frequency. These incidents have become a pressing concern for organizations of all sizes and sectors—and construction companies are no exception. Although employers within the construction industry may think that their cyber exposures are minimal, this often isn’t the case. Rather, such vulnerabilities can come […]