Workers’ Comp

These December Happenings Need Your Attention Before the Holidays & Prep for The New Year

An important recall was recently announced by Kidde about 40 million fire extinguishers they manufactured. This is a big deal that may affect you at home, your business or your vehicle.  This is a must read, and note they manufacture using other brand names. You will learn more from this Industry Week article.   6 […]

Read More

What Does Filing Income Tax Returns & Distracted Driving Have in Common?

Well, April is the month to focus on both. According to the National Highway Transportation Safety Association, in 2015 alone over 3,331 people were killed and over 387,000 injured in motor vehicle accidents connected to distracted driving. That represents 10 percent of all fatal crashes and 17 percent of all accidents that caused injuries. Distractions can be eating, […]

Read More

Words of Wisdom on Preventing & Managing Claims for Employers, According to Don

Employment issues are always a concern for owners and managers of business. When they occur they are disruptive, many times they become an emotional drain, they are costly, can be demoralizing to other employees and in my view the employer and employee(s) seldom come out ahead. When it comes to seeking HR advice, or to […]

Read More

Important Change to Workers’ Compensation Provisions as of January 1, 2017

This new law applies to those California small and mid-size private employers who have elected to exclude officers from workers’ compensation benefits.  The new law, AB 2883, makes the following changes: 1 – Any eligible individual (officer, director, general partner, managing member) electing exclusion from workers’ compensation benefits  must provide a signed waiver to the […]

Read More

Let’s Catchup with Some Important Events That May Affect Your Business

This website was “kidnapped” recently by some folks who had nothing more productive to do, but we are back. So, lets catch-up on some news that should interest you and how you manage your organization. Workers’ Comp Rate Decrease for California Employers? It was just announced that employers could enjoy some rate decrease, but the […]

Read More

What’s So Important about February, March, and April?

Many employers are required to post their workplace injury & illness data annually in order to comply with OSHA guidelines. Even though this compliance requirement has existed for years, confusion and frustration continue among employers as to how to perform this annual task. I created a guide to take you through the process step-by-step, making […]

Read More

Part IV – 6 Workplace Issues: Selecting a Medical Clinic That’s Best for Your Injured

The process of selecting a medical clinic starts when your workers’ comp insurance company gives you a list of medical providers that you’re required to use when an injury occurs. These clinics are usually close to your location, and you have the option to select one or more of them. Most employers have no clue […]

Read More

Part III – 6 Workplace Issues You Need to Know for 2016

  You have waited long enough, so here they are: The issues the risk and insurance community believe will affect your company’s financial success and employee well-being in 2016 are 1. EMPLOYER HOUSEKEEPING – the role and value of your company’s employees MEDICAL CLINIC SELECTION – the criteria you use to select a medical clinic to treat […]

Read More

Tips to Have a Fun Holiday Party & Avoid Potential Liabilities

It’s that time of the year to enjoy the spirit of the season, so many employers are planning events to celebrate with those who contribute to their success, their employees. I found an article from Propertycasualty360.com that outlining ways to manage the RisksNThreats that may cause unexpected issues that could spoil an employer’s holiday party. […]

Read More

What Should California Employers Expect 2016 Workers’ Compensation Insurance Rates To Be?

California Insurance Commissioner Dave Jones “declared” that California Employer’s rates should go down in 2016. Well, his decision does not mean all rates will actually decrease, the reduction is an average of all rate changes. The rates an employer will pay may vary, so this broad announcement is more of a public relation statement than […]

Read More

How Confident Are You About Your Response To Workplace Injuries?

How confident are you that your injured employee is getting appropriate medical treatment? How confident are you that your respond to an employee injury is not creating more liability for your organization? When an employee gets hurt on the job, how an employer responds to the injury and the employee’s workers’ compensation claim can greatly […]

Read More

Additional Workers’ Comp Rate Cut On The Way For California Employers?

According to the Workers’ Comp Executive, this may take place January 1, 2016. In May of this year, I shared with you that California Insurance Commissioner Jones recommended a 10.6% rate decrease to be effective July 2016.  Since that time, the rating bureau that collects and analyzes workers’ comp data, has made a new recommendation […]

Read More

What Are Employers to Do Now That the “Landmark” Law is in Place for Temp Workers?

When Governor Brown signed AB 1897 into law in 2014, very little was made about the details and the intend of this legislation. There were a few short articles in the press about this law creating more liability for employers who contract for labor though staffing agencies.  I did a blog posting of it as […]

Read More

Are Lower Workers’ Comp Rates a Done Deal?

California Insurance Commission Don Jones says “Yes” to the lower rate recommendation made by the Workers’ Compensation Insurance Rating Bureau* (WCIRB).  The recommendation is to lower the rates an average of 10.2% and this is to be effective July 1, 2015. As you may recall from a previous newsletter, it is uncertain how serious insurance […]

Read More

Sacramento Employer in Tug A War with Workers’ Comp Insurance Company

The Work Comp Executive publication recently headlined an article about a legal dispute between a well-known and respected Sacramento California employer and a workers’ compensation insurance company. To me, the issues in this disagreement are a reminder of how careful employers need to be when selecting an insurance company and the type of insurance policy […]

Read More

What Others Say About Good News for California Employers? One Columnist* Asked, “Is It Really Time To Party?”

Should workers’ compensation insurance companies reduce their rates by 10%? Yes, according to the Workers’ Compensation Insurance Rating Bureau (WCIRB). The WCIRB advises workers’ compensation insurance companies about cost trends and based upon their analysis of costs, in the California workers’ compensation system, recommends what rates insurance companies should charge. The WCIRB proposed that this reduction in rates be made […]

Read More

Tuesday’s Tip from Tom: “How Does Voluntary Disability Insurance Affect Employers Worker’s Comp Claims?”

A major employee benefits insurance company has been promoting a survey that suggests when employers establish a voluntary disability insurance program for their employees, employers experience a reduction in the number of workers’ compensation insurance claims. This subject has been debated for some time, but I have yet to find credible research to confirm the […]

Read More

Tuesday’s Tip – What does Workers’ Compensation, Obesity, the American Medical Association and American’s with Disability Act have in Common?

Brad Young, who is a Workers Comp Defense Attorney, in the Midwest wrote a recent article that should prepare us for the increased costs of injury claims here in California. We all know that obesity has become a national health issue and this disease, like others, is beginning to be an employer workers’ comp cost issue. […]

Read More

Tuesday’s Tips from Tom – Preventing Back Injuries Helps Employees & Your Bottom-line

Preventing back injuries is a major workplace safety challenge. According to the U.S. Department of Labor, Bureau of Labor Statistics (BLS), more than one million workers suffer back injuries each year, and back injuries account for one of every five workplace injuries or illnesses. Further, one-fourth of all compensation indemnity claims involve back injuries, costing […]

Read More

Tuesday’s Tip from Tom – Late Edition – What Results From Attorney Involvement in Workers’ Comp Claims?

The annual data is out again – What Attorney involvement adds to workers’ comp claims Several articles have been written about the costs employers incur when injured employees seek legal representation to help the worker navigate through the workers’ comp system. Articles appeared in CFO.com and recently by Bradley Young a contributing author to Insurance […]

Read More

Invitation to The Challenges Facing Your Workers’ Comp & Employee Benefits From The “Affordable Care Act”

Come join me this next Tuesday, April 8th, in Sacramento,  where I will participate with other insurance professionals in a panel discussion about the what employers should know about how the “Affordable Care Act” will affect employees, their families and their organizations.  This event brings you current with changes and expected affects upon your employee […]

Read More

Workers’ Comp + the “Affordable Care Act” =?

A recent article has been published about the effects employers can expect upon their workers’ compensation costs what can happen to their balance sheets and their injured employees.  This writing is authored by Mark Walls, a well-known analyst for Marsh, where he outlines the issues that he and others see coming.  For a further discussion […]

Read More

Navigating Employee Benefits With The “Affordable Care Act”- What Employers Need to Know & How This Will Effect Their Workers’ Comp Costs

The Sacramento Employer Advisory Council invites you to spend the morning with our panel of experts on employee benefits from The Affordable Care Act (ACA) to Workers’ Comp and everything in between. In this informative seminar, you will learn about the final rules for the ACA, the employer shared responsibility mandate, transitional relief that you […]

Read More

“A Common Sense Approach to Managing Risks & Threats”

I have been invited to give a presentation about managing risks and threat on March 11th, at College of Business Administration, Sacramento State, before the MBA class for Entrepreneurial Resource Management. I will take a big picture view of managing risks and threats that face employees, management and their organizations that are created from the […]

Read More

Contact

Tom Bone
Risk Insurance Advisor
ISU Insurance Services
2266 Lava Ridge Court
Roseville, California 95661
Phone 916.960.8758 or 800.823.4852 ext. 8758
Fax 916.773.4484
Mobile 925.285.6790
Email tbone@risksnthreatsmatter.com
License #0306692

Sign up for my newsletter!

As a bonus, you'll get my free eBook, "7 Steps to OSHA Reporting Compliance 2018 Edition"