Workers’ compensation insurance is a little complex, at times. Finding ways to save on workers’ compensation costs requires innovation on the prevention side, and a little savvy on the financial side.
A key factor for determining the amount of premium you will pay is the Experience Modifier (E-Mod). This is the multiplier applied to your manual [...]

Do your employees view their glass as half-empty or half-full? Your answer may reflect their outlook on life. Does their attitude show them to be optimistic or pessimistic? Positive thinking helps with stress management and can improve their health. There have even been studies done that show the power of positive thinking and how it can affect how long, and how well, they live.
An injured worker is the [...]

Second hand smoke kills. But what about second hand perfume? Do you have an employee that you know has clocked in because of the cologne or perfume trail leading to their cubicle?  In 2003, there was a disability discrimination claim filed by an employee with perfume sensitivity. The case was eventually dismissed, but only because [...]

If you are at home watching television during prime time, how many prescription drug commercials do you see in one sitting? One, two, even five will sometimes cross the airwaves in one hour. The concern becomes, if there are so many commercials for these medications, who are the people taking them? Chances are that your employees have [...]

The current economic turmoil brings challenges to businesses, beyond decreased sales and restrictive credit requirements. While businesses are struggling to secure credit lines and doggedly watching their accounts receivable, individuals are fighting to make ends meet as well. With companies downsizing and making adjustments, for what may be a long recovery, many people are finding [...]

An employee hurts themselves at work resulting in a worker’s compensation arrangement. You have multiple write ups for this individual, but now they are at home. Have you been unable to contact the individual? Is this employee’s position at the job site now on hold? Were you already planning to fire him before the injury occurred? [...]

Do you have employees that are injured and require one of these aids to get around? Have you ever tried to walk using crutches or a walker? It is really not all that easy to get used to. Many people use these aids improperly and are risking further injury to themselves.
I spent many years working in an [...]