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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

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

Employee or Independent Contractor…and Why You Need to Know

August 10, 2015 by The Insurance 411Leave a Comment

Independent Contractor or not

Earlier this year, a court ruled that Federal Express drivers should have been classified as employees, when the company had classified them as independent contractors. And the U.S. Department of Labor announced that a five-year investigation in Utah and Arizona yielded $700,000 in back wages, damages, penalties and other guarantees for more than 1,000 construction...
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Filed Under: Regulations   •  The WC Basics   •  Workers' Compensation Insurance

The Affordable Care Act and Workers’ Comp

August 4, 2015 by The Insurance 411Leave a Comment

Workes Comp and ACA

In a recent scholarly article, David A. North outlines how the Affordable Care Act has changed workers’ compensation, and what we might expect in the future. In a recent scholarly article, David A. North outlines how the Affordable Care Act has changed workers’ compensation, and what we might expect in the future. The Affordable Care...
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Filed Under: Regulations   •  Workers' Compensation Insurance

Horseplay: Who Pays When Someone Gets Hurt?

August 3, 2015 by The Insurance 411Leave a Comment

Horseplay compensation

When horseplay occurs in a work environment, does workers’ compensation apply? Generally, an injury must 1) occur in the course of employment and 2) arise out of the worker’s employment to be compensable. Merriam-Webster defines horseplay as “rough or loud play: energetic and noisy playful activity.”’ Most job descriptions don’t include play…so should employees receive...
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Filed Under: Loss Prevention   •  Regulations   •  Workers' Compensation Insurance

Intern-al Affair

June 3, 2015 by The Insurance 411Leave a Comment

Interns and workers comp

With the jobless rate for people ages 20 to 24 still higher than10 percent, many college students might be willing to trade their time for an unpaid learning experience. But there is a legal difference between an employee and an intern. Knowing the difference can help you avoid breaking the law. Does workers’ compensation apply...
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Filed Under: Regulations   •  Workers' Compensation Insurance

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