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Work Comp Rates Are Rising Again. What to do?

What Van Beurden Insurance predicted has come to pass: Workers’ Compensation Insurance rates are going up, up, up. It was inevitable. The cycle between rates up and rates down used to be abrupt and surprising, but now, after Work Comp was stabilized in California several years ago; the rise in rates

New Rules: All Employers Must Report Work-Related Incidents to OSHA, Many Required to Keep More Records

Outlined in this blog are new OSHA 300 reporting and recording requirements every employer needs to know. All employers have new requirements regarding keeping records and reporting work-related incidents. Employers with 11 or more employees have additional new responsibilities. Reporting Requirements All employers must report the following work-related incidents to the Occupational Safety and

Do You Know About These Sexual Harassment Training Modifications?

There’s new legislation that affects every business with five or more employees. On September 30, 2018, California Governor Jerry Brown signed SB 1343, legislation that modifies the California Fair Employment and Housing Act (FEHA) sexual harassment training requirements as follows: By January 1, 2020, California employers with five or more employees (it

OSHA Presents: The Top 10 Violations of 2018

OSHA revealed the agency’s Top 10 violations for 2018 at the National Safety Council Congress & Expo in Houston, Texas. Patrick Kapust, deputy director of OSHA’s Directorate of Enforcement Programs, presented the agency’s list. While the list is largely familiar, there are a few surprises. The data covers violations from October

Technology is Increasing Workplace Safety

“Technology” – from robots to artificial intelligence – is becoming an imperative for workplace safety. According to experts at the National Safety Council Congress and Expo (quoted in Business Insurance) automation that gives risky jobs to machines, artificial intelligence that can help manage safety concerns, sensors that can tell a worker

Federal Law Protects Disabled Employees, Confuses Employers

In 2018, Federal law covering how employers manage their employees has grown complex and confusing. Navigating through the ever-changing legal parameters of managing an employee’s injury is, for many employers, into a difficult, time-consuming and costly. Here’s a local example reported in the Insurance Journal: a locally-owned Central California grocery is

Property & Casualty Losses Hit $25.3 Billion in 2017

I recently wrote an auto insurance policy for a new client, and due in large part to the insured’s claims spiraling out of control, premiums increased from $77,000 annually to its current annual premium of $225,000!While we were not the broker on the previous policy, we are now the ones

California Surpasses 1,000,000 Contractor Licenses

The State of California Contractors State License Board (CSLB) passed a milestone earlier this year when it issued its one-millionth contractor license to a LA County tree service. I agree with CSLB Registrar Condi Christenson that this milestone says a lot about the resiliency of the construction industry. “Despite ups and

What Employers Should Tell Employees About HSAs

There are many reasons why more people don’t take advantage of the savings that come from an HSA (Health Savings Account), but a primary one is that most employers do not inform their employees about how HSAs work and help employees and their families. After all, using an HSA to pay