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 […]

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Here’s An Additional #RiskManagement Technique for Employers To #PreventClaims

Those of you who require staff to drive for your business naturally have a greater probability of claims compared to those employers where no vehicles are used in their operations.  This risks is present whether the vehicles are owned by the employer or employees use their personal autos on company time. It is interesting how […]

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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 […]

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The Hidden Dangers of Workers’ Comp Exclusions

There’s a dangerous trend among decision-makers in California’s closely held corporations. Charged with reducing operating expenses while continuing to provide state-mandated insurance coverage, many opt to exclude corporate officers from their company’s workers’ compensation policy. To the decision-maker, this is simply a calculated method of controlling expenses—one of the many risks inherent in the nature […]

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What Are Your Strategies for Avoiding and Responding to Retaliation & Wrongful Termination Claims?

When an employee complains, what do you do? Do employees know who to speak with about their complaint? Who is the employer’s go to person to receive the complaint and act upon it? What documentation do you need to complete? What other persons are to be notified and included in this process? To properly address […]

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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 […]

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Lack of Workplace & Home “Dog Sense” are Costly to All

“About 4.5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children,” according to the Insurance Information Institute data they obtained from the Centers for Disease Control & Prevention. This is a staggering number and the associated medical/financial costs are in the […]

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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 […]

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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 […]

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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 […]

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Wage & Hour Seminar: From Exemptions to Paystubs – Sacramento April 14th

Wage and Hour issues continue to plague even the savviest of employers. Navigating through a multitude of often conflicting legal requirements is very tricky, and can lead to unanticipated financial liability for an employer.In this half-day seminar, a panel of leading experts will address compliance issues, the latest legal developments and common mistakes in the […]

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Wage and Hour issues continue to plague even the savviest employers

Navigating through a multitude of often conflicting legal requirements is very tricky, and can lead to unanticipated financial liability for an employer. On April 14, 2015, join other employers at this this half-day seminar, sponsored by the Sacramento Employer Advisory Council (SEAC).  There will be a panel of leading experts will address compliance issues, the […]

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The New Year Brings New Employer Liabilities with AB 1897

AB 1897 was signed into law by California’s Governor Brown and became effective on January 1, 2015. This new legislation creates additional financial and legal liabilities when an employer contracts for labor. All employers need to understand the implications of this legislation in terms of staffing, financial obligations, and legal responsibilities. Three Things You Need […]

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How Will The Trends in Discrimination & Harassment Lawsuits Affect You?

Kick of 2015 with a revealing discussion on trends in discrimination and harassment lawsuits! Each year courts decide dozens of cases interpreting California and federal anti-discrimination and anti-harassment laws, many of which greatly impact how those laws are applied in the real world. While most employers stay up to date on changes to the laws […]

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Supervisors & Your Bottom Line

The supervisor’s role in operating a financially successful organization is an often-overlooked management issue. Think of the supervisor as a sergeant in the military: they train, lead, & manage the troops to get the mission accomplished. They’re practical, driven to get the job done, & usually know more about a business’s production details than the […]

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Learn About How to Avoid The Employer’s Achilles Heel

Supervisors are an employer’s first line of defense against employment related claims and lawsuits. A well-trained supervisor can lower an employer’s risk of being involved in litigation and set the stage for the successful defense of claims that do arise. In addition, a well-trained supervisor is critical to creating and promoting a happy, productive work […]

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Driving Dangerously?

With the changing season, it is a good time to think about how we, and others who are behind the wheel for us, drive under differ weather conditions. In a recent newsletter, Risk Manager Charles Wilson, shares some facts about driving and reminds us how damaging Driving Dangerously can be. Charles briefs us about employer […]

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Three Human Resource Issues that Leave Employers Vulnerable

You may have noticed an increased number of articles in the local and national media about employment issues. Two recent articles—one in the New York Times and one in the Sacramento Business Journal—both discussed employment litigation and situations where employers create problems for themselves. Why is this becoming such a prevalent issue? The short answer […]

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Don’t Be Caught Unprepared to Comply with California’s New Sick Leave Law

Governor Brown signed the Healthy Workplaces, Healthy Families Act into law, requiring employers to provide paid sick leave benefits to certain employees. On October 8, 2014, during our free 30 minute lunchtime teleconference, Gina Bauer, an associate attorney with Flesher McKague LLP, will educate employers on how to comply with this new law. The teleconference […]

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Why Investigating Employment Complaints is Critical to You & Your Organization?

Knowing how to conduct a prompt, thorough and objective investigation will help employers avoid additional legal and financial issues and ultimately save them a great deal of time. An employer’s response to employee complaints can either help keep an employer out of a lawsuit or potentially cause one. The Sacramento Employer Advisory Council (SEAC) has […]

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Local & National Data Should Be a Wakeup Call to Employers

Recent articles in the Sacramento Business Journal and the Wall Street Journal provided current insight to employers about how they potentially may be harmed by the increasing number of lawsuits involving Employee Leave & Accommodation Issues. Many times employers do not address the potential complications until the matter faces them and then there is a […]

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Should Californians Expect Big Premium Increases from Their Health Insurance? One “Informed” Chap Thinks So.

Speculation continues from all sides of the political spectrum and various corners of business as to how the “Affordable Care Act” legislation will affect future insurance premiums. Many in the insurance community have varying opinions as well. So, this recent article in the Sacramento Bee’s Viewpoints Section got my attention and should also get yours. […]

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Tuesday’s Tip From Tom: Become More Referable by Scott Addis – Up Date

Here is the post I wanted to share with you that was not technically possible last week: Seven Ways To Become More Referable MAY 13, 2014 tags: beyond insurance, business, Insurance, Referral, scott addis In the Reach Your Peak performance program, Beyond Insurance hears over and over, “I understand the importance of filling my prospect pipeline, but I don’t really have a plan.”  Or know-how.  […]

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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 […]

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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. […]

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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 […]

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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 […]

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Tom’s Tuesday Tips – NSC Releases Latest Injury & Fatality Statistics & Trends

The National Safety Council (NSC)recently released their 2014 edition of Injury Facts, a resource that details safety statistics and trends. According to this article, here are some surprising statistics for 2014. Their information addresses poisonings, cell phone use, texting, teen driving, and other areas. The information NSC provides is a sought after resource for employers, […]

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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 […]

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Tuesday’s Tip from Tom

Many of us receive newsletters from various sources and there are a few which stand out from others that are informative and provide practical useful advice. One such newsletter that I have found that any employer or manager can use is the one from RiskSmartSolutions.  I read it and I find it to be a […]

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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 […]

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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 […]

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“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 […]

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Meet the Sacramento Employer Advisory Council (SEAC) Chair, Krista Dunzweiler

Krista Dunzweiler becomes the new Chair Person at SEAC to continue the mission of helping and educating employers with Solid, Essential, Accurate, and Competent employment law information. As an Associate Attorney at Locke Lord LLP in Sacramento, Krista brings a wealth of knowledge and experience to the SEAC Board, as well as, to employers throughout […]

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Here is a Recent California Court of Appeals Case That Creates Additional Risks & Threats to Employers – All Employers Need to Know More about the Possible Repercussions!

Many employers rely upon their employees to use their employee owned autos to perform some or much of their work related tasks.  This  approach is conducted  with the understanding that when the employee  goes home or is on their personal time, the usage of the car is not the responsibility of the employer, nor does […]

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Why Can’t California Be Like Louisiana When It Comes To The Results Of Work Safety?

Some very interesting observations from Bob Wilson of WorksCompensation.com about how the costs in our Golden State differ from those in the State of Louisiana. Despite what the data tells us, California employers must also wonder what their advisers are doing to help them get the best results in this very difficult State of ours. […]

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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

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