Whether you’re an insurance professional, an employer or “the person in charge of insurance,” it’s often difficult to get your arms around Workers’ Compensation. It’s complex and fraught with so many “moving parts” you can almost be certain that what...

Nineteenth century Attorney Russell Conwell earned more than $6,000,000 delivering his famous “Acres of Diamond” speech. He said that riches are right in front of us, although most people spend their lives looking far and wide. It’s the same with...

As we head into the New Year, this is a perfect time to take a step back and look at your Workers’ Compensation program. By assessing its strengths and weaknesses, you create a blueprint of potential dangers that could easily...

By the very nature of the insurance business, agents are busy folks. So, it’s easy to understand how some “details” can be missed, like the importance of keeping a trained eye on an employer’s Workers’ Compensation Experience Modification Factor. What...

Rising medical expenses are the culprits driving up Workers’ Compensation costs. While it’s true that Workers’ Comp rates are mostly flat or going down, any savings is being more than eaten up by higher medical bills. With the possible exception...

The proliferation of personal technology, predominantly cell phones, Blackberrys, and iPods, now infiltrates work life as well as leisure time. These devices are impacting job safety, a not‐so‐good vibration being felt, literally, from coast to coast. A Boston trolley driver...

As year-end approaches, many businesses turn their attention to tax planning with the goal of minimizing federal and state taxes. Few invest a similar amount of time in reviewing their Workers’ Compensation, even though significant dollars are at risk. When...

A recent report by the American Association of Family Practitioners notes that occupational diseases account for 860,000 illnesses and more than 60,000 deaths each year. And this runs the gamut of causes, everything from coal miners contracting black lung disease...

The fact that there is an obesity epidemic in the United States is evident everywhere. A movie theatre seat has grown from an average of 19 inches to 23 inches wide, revolving doors from six feet to eight feet wide,...

Healthier employees lead to lower premiums, according to numerous studies. If companies can help their workers improve their health without cutting benefits or shifting more premium costs to employees, where is the downside? After all, Fortune 1000 companies have been...