Every organization’s business plan should include a section on risk management. If your business plan doesn’t address your risks, take a look at the following areas to start. Equipment: Equipment that needs to be repaired may interrupt your business; insurance or service plans may minimize your costs. For example, if your business is dependent on...
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Is Your Website Discriminatory?
Poorly designed websites can create unnecessary barriers for people with disabilities, just as poorly designed buildings prevent some people from entering. And that could constitute discrimination and a violation of the Americans with Disabilities Act (ADA) and its amendments. Most employers should know Title I of the ADA, which applies to all employers, public and...
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Understanding Your Terrorism Coverage
When you renewed your commercial property or business package policy, your insurer might have included a notice regarding terrorism insurance coverage. What’s this all about? Your policy might contain two types of terrorism endorsements, or policy additions that provide extra coverage. One would exclude coverage for terrorism-related losses if the federal Terrorism Risk Insurance Program...
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What Safety Regulations Apply to Your Business?
When it comes to workplace safety, ignorance is no defense. OSHA safety and health regulations often apply to all businesses, regardless of size. If you’re not sure of which regulations apply to your business, OSHA provides some resources. It has created a Web-based step-by-step guide to help small employers identify some of the regulations that...
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Can Financial Education Improve Productivity?
Many studies have shown a link between increased levels of stress and increased incidence of certain diseases and health problems. [/caption]If you’re considering wellness programs to improve employee health and productivity, don’t overlook the importance of financial health! According to an American Psychological Association (APA) poll released recently, the majority of Americans feel financial stress....
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How Insurers Calculate Your Comp Rates
Although workers’ compensation may seem complicated, only two factors affect your workers’ compensation costs: your employees’ job classifications and your experience modification factor. Rating bureaus publish rates for hundreds of different job classifications, shown as rate per $100 of payroll. These rates are based on the relative hazards of each occupation. For example, it costs...
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The Importance of Dental Insurance
More than one-third of adults surveyed for the Surgeon General’s study on oral health (2000) had not visited a dentist in the past 12 months. Laurence R. Weissbrot, FSA, MAAA, director of actuarial and underwriting at Northeast Delta Dental in Concord, N.H., says that “75 percent or more of the people who have dental coverage...
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Healthy Aging in the Workforce
The workforce is aging, so understanding the specific needs of older workers can help you keep them healthy and on the job. Here’s what you should know. Several years ago trend-spotters started talking about the “brain drain” that would occur when skilled Baby Boomers start to retire. More recently, the upheaval in financial markets and...
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Disability Insurance = Income Insurance
Most Americans insure their homes and their cars. Yet fewer have insurance on their most valuable asset—their ability to earn a living. According to the Bureau of Labor Statistics, only 49 percent of American workers have access to disability insurance through their employer. A survey by America’s Health Insurance Plans found that more than 80...
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Two Techniques for Managing Claim Costs
Utilization reviews have saved companies around the country billions of dollars in workers’ compensation costs since California mandated utilization review in 2004. Other techniques, such as using a specialized workers’ compensation medical care network, can also work. Here’s a brief overview. Utilization Review Utilization review is designed to bring greater efficiency to the recovery process...
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