Archive for the ‘Uncategorized’ Category

5 PUZZLE PIECES TO HAVE AN EFFECTIVE CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM FIT THE NEEDS OF YOUR COMPANY.

Thursday, July 22nd, 2010

 5 PUZZLE PIECES TO HAVE AN EFFECTIVE CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM FIT THE NEEDS OF YOUR COMPANY. 

1. OPEN LINES OF COMMUNICATION.  Have Employee handbooks updated so they are easy to understand, in all languages necessary, explaining what each employee should do if and when they get hurt, addressing injury management and return-to-work programs and policies.  Employee communication is critical in controlling costs.  Go with the injured worker to the clinic, drive them home, and follow up on their progress.

 2. INJURIES NEED TO BE REPORTED IMMEDIATELY.  You must have a goal to report all injuries within 24 hours. Why?  There is a marked increase in claim costs the later the claim is reported.

 3. IDENTIFY THE EMPLOYEES THAT ARE MOST LIKELY TO BE INJURED.  Safety should be everyone’s business.  Some things you should consider are new hires, untrained, apathetic, those who complain or that are habitually late.  Whatever your company’s particular factors are, once identified, focus attention on them to practice safe procedures always. 

 4. MANAGE MEDICAL CARE.  Research and get to know your clinics.  You can instruct them to work with you on 1st Aid claims and keep them out of your experience rating formulas, you pay twice that way.  Always try and look for 2nd opinions on large claim reserves. Ask their help to fight fraud.

 5. IMPLEMENT SOME TYPE OF ANTI-FRAUD PROGRAM. Send a clear and professional message to your employees that fraud hurts them, their fellow employees, and the employer. Inform them Fraud will not be tolerated and there will be a reward for employees that identify fraud. Screen all employees. Supervisors must investigate all injuries.

 PRACTICE THESE 5 STEPS TO BETTER MANAGE YOUR CALIFORNIA WORKERS COMPENSATION INSURANCE PROGRAM

Commercial and Industrial Real Estate Flood Insurance

Tuesday, April 13th, 2010

LATEST NEWS ON FLOOD INSURANCE

Commercial and Industrial Real Estate Owners looking for flood insurance through the National Flood Insurance Program are anxiously waiting for Congress to vote on  reinstatement of the program April 12th.  As of March 28, 2010, Congress adjourned without passing an extension to the Federal program. The program has stopped issuing new and renewal policies, however, current policies are still in force. It is anticipated that the federal program will be retroactive back to the March 28th date. This will be a temporary extension as Congress will only be able to extend the program through April 30, 2010.

Please contact Armstrong/Robitaille/Riegle/Robco, Business and Insurance Solutions, for assisting Commercial and Industrial Real Estate Owners in placing flood insurance. We are available to strategically identify your exposures and   put together the appropriate program to address your unique business needs.  Please call 714 221-3901 or 888-800 5242.

COMMERCIAL AND INDUSTRIAL REAL ESTATE FLOOD INSURANCE

Keep Your California Workers Comp Insurance Costs Low

Monday, March 8th, 2010

Lower workers compensation rates are sure to make employers happy.  It is important to not slack off in your vigilance to keep safety procedures and management up and running. Remember that Workers Compensation coverage is not an expense of doing business.  Costs rise and fall on the number and costs of injuries in the workplace.  You should not confuse lower rates with lower costs.   

Employers should look at keeping the low cost of workers compensation as a basic business practice.  Always be looking at safety and workers compensation management programs and be prepared to implement changes when necessary.     Never rely on past good behavior only.  Continuous reviews can help to insure you keep the lowest rates possible. 

Employers need to demonstrate to their insurers they have fewer claims with shorter life spans.  Providing proof that you are a “preferred policy holder” will help you qualify for all the “perks” your insurer and state may offer.

 How do I achieve “Preferred Policy Holder” status? 

Be sure to document your safety history.  You can include things such as ergonomic best fits for sedimentary computer workers, floor coverings, training in lifting, climbing, warehouse safety, removing tripping hazards and including signage.

 Show proof that your employees are returning to work faster than the average.  Try and obtain a goal of 95% of injured employees returning within 1-4 days.  (Note:  You should not include med-only claims in this calculation)

 Employers should communicate with injured employees from day one.  This will show good faith and demonstrate you are an ally in his/her recovery.  Document how they are doing every week by talking to them.  Send flowers or a small gift.  This will help you create a complete log of when, where and how you communicated with what was discussed.  

Training!  Employees should always be kept up to date with safety procedures and the expectations from workers comp management.  Training employees on safety and post injury response procedures as well as business protocol for convalescence, such as return to work programs, modified responsibilities, etc.  Inform your employees they must take a Work Ability Form with them to the treating physician and have it completed and faxed back to you with their diagnosis and any work restrictions.  This will allow you to create modified job duties that will adapt to the restrictions listed.  Employees must then sign off when they receive training so you can demonstrate to insurers that your employees have, in fact, received training.

 Employers must file the Work Ability Forms to show you are on top of each visit to the doctor’s office.  This further shows you are ready to address any restriction with modified job duties when applicable. 

 If you can demonstrate that you have engaged in the above activities and that you have lowered the incidence of work related injuries, you may become eligible for the state mandated credit programs, the insurer dividends and the “Preferred Policy Holder” status. 

Keep Your California Workers Comp Insurance Costs Low