Newsletter

Firing Injured Workers — Recipe for Disaster?

California Labor Code Section 132a – No coverage from insurance, so you are paying for it!  Not only can your employees hire attorneys to litigate their claims at the Workers’ Compensation Appeals Board (WCAB) for injuries potentially caused from industrial work at your company, they can also bring a petition for discrimination under California Labor Code Section …

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Modified Duty: Five Best Practices

For workers’ compensation claims, a physician has to agree that an injured worker can return to work in a modified job with certain restrictions. Without a doctor’s letter, or a primary treating physician’s progress report, your company cannot offer a modified job to your employee. Download the Article

Cyberattack – Everybody is at Risk

With online payment systems, certified payrolls and sharing of specifications and bid documents, contractors are exposed to cyber losses that are not covered by traditional insurance. Add on cyber-ransom and you really have several areas of concern. Download the Article

Workers’ Compensation – First Aid

As you know, workers’ compensation costs and your Experience Modification Rate (EMR) are two key components of any competitive bid. Multiple small claims (below $7,001) can, and often do, adversely affect your EMR more than one very large claim. Accordingly, when thinking about how to reduce your premiums and EMR, one of the primary goals …

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Employment Practices Liability Insurance Lawsuits on the Rise

Daily news reports continue to highlight the need for Employment Practices Liability Insurance (EPLI). The recent high profile case of Ellen Pao v. Kleiner Perkins received daily media attention. Greg Bauman, the editor in chief of the Silicon Valley Business Journal, reported on April 2, 2-15 that “Even though the verdict rejected Pao’s claims…the damage …

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The Narrowing of Coverage from Additional Insured Endorsements

The Insurance Service Office (ISO) provides standard insurance coverage forms used by most insurance companies. As updated forms are released, the older forms are taken out of publication and are generally no longer used by admitted insurance companies, as a result of their licensing agreements with ISO. In April of 2013, ISO issued several new …

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