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Website Accessibility Lawsuits Increasing

December 26, 2016 by The Insurance 411Leave a Comment

Webiste-Accessability

A whole subspecialty of law practice is emerging, focusing on website accessibility. That’s bad news for businesses that haven’t ensured their websites are accessible to people with disabilities. Title III of the Americans with Disabilities Act (ADA) prohibits discrimination on the basis of disability in the activities of places of public accommodations, or businesses that...
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Filed Under: Loss Prevention   •  Regulations   •  Specialized Insurance Policies

OSHA Publishes Updated Slip, Trips and Falls Rule

December 26, 2016 by The Insurance 411Leave a Comment

OSHA Rule Update

In mid-November, OSHA published its long-awaited final rule on slips, trips and falls. The rule becomes effective on Jan. 17, 2017, and will affect approximately 112 million workers at seven million worksites. In 2014, falls, slips and trips accounted for 17 percent of all fatal work injuries, second only to transportation accidents. OSHA estimates that,...
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Filed Under: Loss Prevention   •  Regulations   •  Workers' Compensation Insurance

Ensuring Worker Safety Abroad

November 30, 2016 by The Insurance 411Leave a Comment

safety in foreign countries

Although terrorism attacks get all the press, Americans traveling or working abroad are far more likely to fall victim to robbery, kidnap or rape. According to the Global Terrorism Database, 80 Americans (including perpetrators) died in terrorist attacks between 2004 to 2013. This excludes deaths in Afghanistan and Iraq, the majority of which are combat-related....
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Filed Under: Loss Prevention   •  Workers' Compensation Insurance

Trump and Workers’ Compensation

November 30, 2016 by The Insurance 411Leave a Comment

Trump workers comp

What will Donald Trump’s election mean for workers’ compensation? Although we don’t have a crystal ball, we do expect to see some changes. Since workers’ compensation is administered by the states, any presidential election would have little direct effect on comp. However, it can have indirect effects. Some employers and insurers feared that the Department...
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Filed Under: Market Outlook   •  Workers' Compensation Insurance

Workers Compensation Audits and How They Work

November 14, 2016 by The Insurance 411Leave a Comment

workers’ compensation audit

Many workers compensation policies include a provision that allows insurers to conduct workers compensation audits. The results of an audit will affect your premiums, so it benefits you to be prepared! WHAT ARE WORKERS COMPENSATION AUDITS AND WHAT ARE THEY FOR? Unless you’re a smaller employer with a “minimum premium” policy, your workers compensation policy...
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Filed Under: Controlling Costs   •  Workers' Compensation Insurance

Five Steps to Conducting a Job Hazard Analysis

November 14, 2016 by The Insurance 411Leave a Comment

job hazard analysis

A job hazard analysis can help you identify hazards that can lead to injury. A hazard is the potential for harm. In practical terms, a hazard often is associated with a condition or activity that, if left uncontrolled, can result in an injury or illness. A job hazard analysis is an exercise in detective work....
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Filed Under: Loss Prevention   •  Workers' Compensation Insurance

What Are Second Injury Funds?

December 10, 2015 by The Insurance 411Leave a Comment

Second-Injury

More than half of all injured workers have a pre-existing condition, according to one expert. When you have an employee with a permanent impairment who suffers a second injury, you are responsible for compensating only the most recent injury. Many employers fail to realize this, leaving thousands of dollars on the table. More than 20...
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Filed Under: Claims Management   •  The WC Basics   •  Workers' Compensation Insurance

Depression in the Workplace

December 2, 2015 by The Insurance 411Leave a Comment

Depression

Clinical depression affects about one-fifth of women and one sixth of men in the United States at some point in their lifetimes. Why should employers be aware of this problem? Depression often strikes between the ages of 25 and 44 — the prime working years. At any one time, one employee in 20 may be...
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Filed Under: Loss Prevention   •  Workers' Compensation Insurance

Physician Choice: Whose Right Is it?

December 2, 2015 by The Insurance 411Leave a Comment

Work Comp Doctor Choice

When an employee suffers a work-related injury, workers’ compensation law obligates the employer to pay for medical treatment. Who gets to choose the treating physician—and why does it matter? In some states, the employer gets to choose the physician and all medical providers. This is called a full control program. In this type of system,...
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Filed Under: Regulations   •  The WC Basics   •  Workers' Compensation Insurance

What Safety Regulations Apply to Your Business?

October 20, 2015 by The Insurance 411Leave a Comment

Safety Regulations

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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Filed Under: Regulations   •  Workers' Compensation Insurance

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