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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 by intentionally misrepresenting their illness or injury—whether that entails lying about the cause or severity of their condition or even...

Insurance | Auto & Fleet | Personal

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

Motorists fail to see riders when they are coming out of a driveway, making a left turn in front of an oncoming rider or when the motorcycle is in the driver’s “blind spot.”
Many...

Insurance | Group Benefits

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 talking about Preventive Care.

Amidst a time when health care costs only seem to be rising, and you seem to be getting less and less care for your dollar, do yourself...

Insurance | Life | Personal

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, observed every May, is a time to raise awareness about mental health, break the stigma and support...

Insurance | Business | Workers Compensation

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:

Expected costs are those that are covered by workers’ compensation insurance. Such expenses are commonly referred to as direct costs.
Unexpected costs are those that workers’ compensation insurance does not cover. These...

Insurance | Homeowners & Renters | Personal

Prioritize Mold Prevention at Home

Mold is a fungus caused by excess moisture that can be damaging to your home, as well as a significant health hazard.

Mold can look like spots and can be many different colors. If you see or smell it, remove it; you don’t need to know what type of mold it is. You just need to get rid of the mold and fix the moisture problem that is causing it.

To prevent mold occurrences in your home, you should:

Keep healthy humidity levels. Mold thrives in humid...

Insurance | Group Benefits

An Employer’s Guide: American Rescue Plan Act of 2021

In the first sweeping legislation for the new 117th Congress, H.R.1319, a $1.865 trillion-dollar COVID-19 relief bill, becomes law.

In addition to providing direct assistance to many Americans, namely through $1,400 in income tax rebates for eligible individuals and an increased child tax credit, the legislation also contains many provisions related to health insurance coverage and group employee benefits plans.

These include direct federal subsidies for both...

Insurance | Life | Personal

Mental Health Support During the Pandemic

Rarely has there been a greater need for mental health support than now. Before the pandemic, there were already shortages of mental health professionals. For example, there were 45 psychologists or psychiatrists for every 100,000 Americans. In some places, that ratio was just one professional per every 30,000 people. Additionally, Mental Health America data reveals almost a quarter of adults with a mental illness say they aren’t able to get the treatment they need.

As the pandemic...

Insurance | Auto & Fleet | Liability | Personal

Common Auto Insurance Policy Questions

If a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” driver of that car—you. If someone else starts driving your car more than you do, contact us to have them added to your policy to avoid coverage complications.

If I borrow a...

Insurance | Business

Frequently Cited OSHA Standards – 2020

The Occupational Safety and Health Administration (OSHA) not only keeps records of the most frequently cited standards overall, but also within particular industries. Understanding these standards and taking proactive steps to avoid violations can go a long way toward ensuring workplace safety. When it comes to the manufacturing industry, the following standards are commonly cited and make up more than 45% of all violations:

Control of hazardous energy (lockout/tagout...

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