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 flag of New Hampshire

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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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) ( 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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5 Common Threats Small Businesses Face

Posted by & filed under Small Business, Workers Compensation.

Today’s guest post is brought to you by Alyssa DellaCamera from Eaton & Berube Insurance Agency, an independent insurance agency located in New Hampshire.  Learn about the common threats in business that a small business faces and strategies to manage them. As many small business owners understand, owning your own company offers many rewards, but with… Read more »

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