Top Insurance Considerations for Today’s Long Term Care Facilities

Posted by & filed under Property, Uncategorized, Workers Compensation.

According to the US Department of Health and Human Services, 70% of people age 65 and older will need some form of long term care in the next few years. With the aging Boomer generation, it’s reasonable to predict that even more seniors will be taking advantage of the services offered by assisted living, continuing care, and hospice care… Read more »

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4 Benefits of Having a Preferred Medical Provider Oversee Care for Your Injured Employees

Posted by & filed under Safety, Workers Compensation.

The business disruption and cost of employee injuries on a business are well known, if understated. Not only is it important to promote a strong safety culture and help protect employees from injury, it is also just as important to have best practices in place when an injury does occur so that you can respond… Read more »

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Why Is It Important to Report Workers’ Comp Claims Promptly?

Posted by & filed under Workers Compensation.

Reporting all workers’ compensation claims promptly is a critical component to controlling workers’ compensation claim costs. Failure to report an employee’s claim promptly can have financial implications and can damage employee morale. It is also required by many states and by OSHA in some situations. Workers’ compensation claims can be reported late due to inaction… Read more »

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NCOIL Leader Talks with Acadia About Workers’ Compensation

Posted by & filed under Workers Compensation.

Workers’ compensation continues to dominate legislative deliberations in most states. Whether the issues are the skyrocketing abuse of opioids by workers’ compensation claimants or the continuing efforts of states to address worker misclassification, one person in center stage of these deliberations is Vermont Representative Bill Botzow. Since 2012, Botzow has served as chair of the National… Read more »

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What is the New Hampshire Second Injury Fund?

Posted by & filed under General Liability, Small Business, Workers Compensation.

The New Hampshire Second Injury Fund (NHSIF) was established in 1975 as a mechanism to promote the hiring of individuals with pre-existing conditions, injuries or disabilities.  The NHSIF provides employers and their insurance carriers with limited liability for subsequent injuries that are sustained by such individuals in the course & scope of employment by reimbursing the insurers… Read more »

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When it Comes to Reporting Claims, Time is of the Essence

Posted by & filed under Automobile, General Liability, Small Business, Workers Compensation.

Every commercial policy I’ve ever read has an insurance condition requiring that an insured notify their insurer of a claim in a timely fashion. For example, a typical Commercial General Liability policy includes a Condition which states that an insured “must see to it that [its insurer is] notified as soon as practicable of an ‘occurrence’ or an… Read more »

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Your Liability as a Farm Employer

Posted by & filed under Farm & Agriculture, General Liability, Workers Compensation.

As a farmer, you have a lot of concerns: weather; financing; crop yield; commodity prices; regulation; and the list goes on. Have you ever spent time thinking about your legal liabilities because you hire employees? Simply stated, a farmer can sometimes be held liable for damages to third parties as a result of negligent actions… Read more »

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OSHA 300A: A Poster or a Performance Benchmark?

Posted by & filed under Laws & Regulations, Safety, Workers Compensation.

OSHA 300A: A Poster or a Performance Benchmark? A quick reminder: February 1st was the deadline to post your annual OSHA 300A form, and it must remain posted through April 30th. Employers with more than ten employees and whose establishments are not classified as a partially exempt industry must record work-related injuries and illnesses using OSHA Forms: It’s now… Read more »

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Your Workers’ Compensation Experience Modification Will Likely Change in 2013

Posted by & filed under Laws & Regulations, Workers Compensation.

Even If There Is No Change in Your Losses The National Council on Compensation Insurance (NCCI) (www.ncci.com) calculates the Experience Rating Modifications (ERMs) for all but six states (CA, DE, MA, NJ, NY, PA) and calculates all interstate ERMs.  In 2013, there is a change in the way ERMs are calculated that may affect you.  In simple… Read more »

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