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2018 Minimum Wage Rates

The current federal minimum wage rate is $7.25 per hour. However, many states have adopted minimum wage rates higher than the federal rate. When the state rate and the federal rate are different, employers must pay their employees the higher rate. The following states have adopted new minimum wage rates for 2018:   ·   Alaska…

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2017 Most Frequently Cited OSHA Standards

The Occupational Safety and Health Administration (OSHA) recently unveiled its top 10 most frequently cited violations. The agency reports the leading causes of workplace injuries during its fiscal year (October through the following September). The 2017 top 10 list of most frequently cited standards did not change significantly from 2016, with fall protection violations remaining…

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Contractors Pollution Liability Insurance

Contractors, no matter what industry they work in, face environmental risks stemming from operations on a daily basis. For most contractors, a single pollution incident or loss can seriously damage their reputation, operations and even their balance sheet. Making matters worse, pollution incidents can be sudden or occur gradually over time. While many contractors assume…

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What to Expect When Applying for Cyber Insurance

Every insurance policy starts with an application, and cyber liability insurance is no different. While the underwriting process in long-established insurance lines is streamlined, this is not the case for cyber liability insurance. Currently, application forms for cyber insurance are not standard and can be complex—often consisting of dozens of pages. For businesses attempting to…

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9 Cyber Risk Questions Every Board Should Ask

When a data breach or other cyber event occurs, the damages can be significant, often resulting in lawsuits, fines and serious financial losses. What’s more, cyber exposures impact businesses of all kinds, regardless of their size, area of focus, or status as a private or public entity. In order for organizations to truly protect themselves…

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Top 10 OSHA Violations Announced

On Sept. 26, at the National Safety Council’s annual Congress & Expo, OSHA Deputy Director of Enforcement Programs Patrick Kapust announced the preliminary list of 10 standards most frequently cited by the agency’s inspectors during Fiscal Year 2017. Fall protection was the most-cited standard for the seventh year in a row, followed by Hazard Communication, and…

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NEWS BRIEF: REPUBLICANS RELEASE TAX REFORM PLAN

On Sept. 27, 2017, the Trump administration—in conjunction with Republican Congressional leadership—released a tax reform plan designed to make significant changes to the federal tax code. This plan is intended to serve as a template for the Congressional tax writing committees that will develop tax reform legislation. This tax reform plan was collectively developed by…

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Coverage Highlights: Understanding Coinsurance

Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance clause. Often misunderstood, Conservation United has gathered the basics on coinsurance to help eliminate any potential confusion. Calculating Coinsurance In…

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Coverage Highlight: Business Owners Policies (BOP)

Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owners policy (BOP), can take the guesswork out of the process. A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and…

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Coverage Highlights: Closure/Post Closure Financial Assurance

Conservation United proudly offers Closure/Post Closure coverage to help clients satisfy financial assurance requirements imposed by local, state and federal regulators. In many jurisdictions, an insurance product can be used to satisfy financial assurance. Product Details Capacity – Claims-made/Primary: USD $50M  – $10,000 Minimum Premium Coverage Claims-made coverage when a regulatory body requires partial or…

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2017 Minimum Wage Rates by State

2017 Minimum Wage Rates by State Under the Fair Labor Standards Act (FLSA), the current federal minimum wage rate for nonexempt employees is $7.25 per hour. A number of states have adopted the federal minimum wage rate as their state minimum wage rate. However, many states require employers to pay a higher minimum wage rate.…

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OSHA Fears Breach, Shuts Down Injury Tracking App

Less than one month after its launch, the U.S. Occupational Safety and Health Administration (OSHA) has suspended user access to its Injury Tracking Application (ITA) due to a security breach. OSHA launched the application on Aug. 1 to allow employers to submit required injury and illness data electronically.  On Aug. 14, the U.S. Computer Emergency…

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