Dehydration, heat stress, and heat stroke can escalate quickly during the summer months. Left untreated, these conditions are not just harmful but can also be life-threatening. With warmer weather on the horizon, it is vital to remind your clients about the risks posed by heat and humidity. Heat stress is not limited to outdoor workers.…
“Once the toothpaste is out of the tube, it’s tough to get back in,” H.R. Haldeman, White House chief of staff under the Nixon Administration, famously observed. Half a century later, employers are finding the truth in the expression as they struggle to get their employees—many of whom were sent home to telework during the…
In 2024, the National Council on Compensation Insurance (NCCI) rolled out a modernized Learning Center accessible to the public. The Learning Center provides a range of topics, including classification, experience rating, the residual market, and more. This article covers the new learning path and other valuable resources available to insurance agents and brokers who want…
No matter the size of your client’s workforce, their management of the organization’s workers’ compensation injuries can be challenging. Every organization struggles to find new ways to reduce the number of injuries (frequency) and decrease the amount paid on claims (severity). Here are some suggestions that you can use in guiding your clients toward improved…
Read any insurance trade journal, and you’ll see articles about how agents can “lead with workers compensation insurance.” Savvy insurance agents can increase their business by targeting employers with considerable workers compensation exposures. Often after the sale of the work comp policy, agents don’t stay as involved as they do on other lines of coverage.…
The Oxford Language Dictionary defines a Catch 22 as “A dilemma or difficult circumstance from which there is no escape because of mutually conflicting or dependent conditions. A new West Virginia law that allows employers to voluntarily cover post-traumatic stress disorder in frontline responders is just that – A Catch 22.
As an insurance agent, you understand that your clients and their organizations face new challenges every day, including keeping workers’ compensation costs down, receiving proper workplace injury reports and improving employee morale. It doesn’t need to be difficult to address these needs. In fact, by simply guiding your clients to the right nurse triage program,…
Workers’ Compensation
A recent Rough Notes article, “Workers Compensation: An Oasis in a Dry Desert: An Island in Stormy Seas,” finds that despite COVID concerns, the workers compensation market is still stable. Looking to the future, economic trends could increase the cost of reinsurance, but overall, the outlook for workers compensation is bright.
The coming-and-going rule in workers’ compensation claims management can determine whether an adjuster or administrative law judge finds an injury compensable. Because each state drafts its own workers’ compensation laws, there is a great deal of variation in case law depending on where the injury occurred. This article provides an overview of the coming-and-going rule…
