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The Simple Truth About Modifications in California

In dealing with the changes in the new modification calculation (4th one in 4 years) by the WCIRB, I have been attempting to explain what happened to a majority of my clients. Below is an actual email that I sent to a client in order to attempt to explain what

Who’s Covered by Workers’ Compensation? The Answer Just Changed.

  Existing law states that the Workers Compensation system will compensate an employee for injuries sustained in the course of his or her employment. Existing law also allows for some individuals to choose to exclude themselves from Workers Compensation if he or she owns part of the company. In the case

Drones and Insurance: Is Your Business Protected?

It used to be that only the U.S. military used drones in their business. Not any longer. In 2016, individuals and businesses have close to 1,000,000 drones and they do represent a significant liability exposure. For now, let’s just take a look at drones used for business. Many businesses already use

Cyber Attacks, who needs to be protected?

We’ve all read about the large data breaches to companies like Target, Blue Cross, Blue Shield, Ashley Madison and many more. What we do not hear about are the thousands of small businesses that incur Cyber Attacks and how badly it hurts them. If your business stores this kind of data,

Why Employers Should Consider Self-Funding

Reason #2:  Immediate reward for favorable claims experience Self-funding allows the employer to immediately benefit from low plan utilization. Claims are paid only when they have been received and processed, allowing cash to be retained by the employer for inclusion in operating cash flow. Compare this to fully insured plans. The insurance

Why Employers Should Consider Self-Funding

Why Employers Should Consider Self-Funding Reason #1: Transparency As health care costs continue to rise its causing employers to consider major changes to their health insurance plans. With the new ACA law the term “transparency” is getting a lot of attention in the healthcare industry as it creates a new savings opportunity

Do you fear COBRA? If not, maybe you should?

Noncompliance with COBRA laws could result in astronomical penalties, legal fees, and other expenses.  Consider this: A maximum of $110 penalty per affected participant or beneficiary per day from the date the noncompliance started. Personal liability imposed on plan administrators.  It is not unheard of for COBRA violations to cost a company thousands

When Was The Last Time You Updated Your Employee Handbook?

Employee handbooks are an essential part of effective HR management.  Handbooks are also an important risk management tool.  Since employee handbooks are not required by law, organizations may determine the best method and most effective means to communicate important HR-related information to their employees. An employee handbook should help reduce risk

HR Technology Solutions

Whether you’re a startup or a small to medium business you’ll no doubt already have experienced the dreaded mountain of paperwork that comes with ensuring the smooth running of all your HR processes. If done manually, this paperwork can see you (literally) pulling your hair out, which is where our

FLOOD INSURANCE: Who needs it?

The answer has always been: “You need it if the bank tells you that you need it.” That answer can cost you dearly. What would you think the most common Natural Disaster for Property Damage is? Most of us would say “Fire,” but we would be wrong. Fire accounts for