Risk Check Lists

Are Your Emergency Plans “in the cards” for You and Your Business?

We had fires in Northern and Southern California, Hurricane’s in the East/Southeast part of the US, now snow in the East/Southeast, plus today the earth moved in Berkeley with a 4.5 magnitude earthquake. Thanks to Forbes, and Trevor Nase, here’s a photo where the earthquake occurred in the early hours of January 4,  2018. So, […]

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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 […]

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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 […]

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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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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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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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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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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