Insights
Feeling the Heat? How to Protect Outdoor Workers During the Hot Summer Months
Summertime means vacation and fun for many Americans. However, the risk of heat-related illnesses for outdoor workers increases significantly as the weather gets hotter and more humid. Construction workers, landscapers, agricultural workers, and baggage handlers...
The Future is Now – How AI is Changing the Face of the Insurance Business
Do you remember the iconic 1968 Stanley Kubrick science fiction movie, 2001: A Space Odyssey, that first introduced Artificial Intelligence (AI) to audiences? HAL, the spaceship’s computer system and main character, was programmed to navigate all ship operating...
Don’t Get Railroaded on Your FELA Claim
Almost all private employees in the United States can collect workers’ compensation if they are injured on the job. Railroad employees are the exception to the rule, as they must file for damages through The Federal Employers Liability Act (FELA). FELA was created in...
Busted! Corrupt Professionals Sentenced in $200M Workers’ Comp Scheme
We’ve all heard stories about someone faking a workplace injury in the hopes of profiting from a Workers’ Comp pay-out. But what happens when doctors, medical service providers, attorneys, and other professionals conspire to scam the Workers’ Comp system for millions...
New Signs of a Changing Market for Workers’ Compensation
There has been a steady decline in Workers’ Compensation rates since the beginning of 2015, which is attributable to the overall market softening. However, we are starting to see profit margin compression. Medical loss cost severity is rising, benefits from prior...
How to Navigate the Treacherous Waters of USL&H
There are a great number of commercial industries that operate their business on or near water. Unfortunately, there are also too many commercial clients that have a standard Workers’ Compensation policy and THINK they have USL&H coverage (or worse, don’t even...
Workers’ Comp Benefits and Costs Continue to Decline
The National Academy of Social Insurance (NASI) 2018 Workers’ Compensation Benefits, Costs and Coverage report, underscores a trend: The US economic recovery has spurred growth in employment and also a corresponding increase in employees covered by workers’...
Remote Employee Trends Create New Challenges in Workers’ Compensation
The workplace as we know it has dramatically changed over the last few years. Daily commuting to a traditional office space has been replaced with virtual offices, collaborative workspaces and remote employees. According to recent studies, regular work-at-home,...
The Value of Working with a Specialized Workers’ Compensation Carrier
The third quarter of 2018 saw an increase in premium renewal rates across nearly all lines of commercial business, except for workers’ compensation. We are still operating in a softer market and commercial carriers are willing to package the workers’ comp with other...
Why You Need Risk Innovations
Your customers work hard to build their professional assets. Protecting them from losses and providing customized insurance solutions is your number one priority – which is not always easy to do. Claims issues happen, tough classes of business exist, and difficult...
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