Outdoor Recreation
Direct and Indirect Workers’ Compensation Costs Explained
Date: April 19, 2021Category: Author:
Workers’ compensation claims have a variety of different costs associated with them. Some of these costs are expected costs, while others are unexpected. Here’s the difference between these terms: Expected costs are those that are covered by workers’ compensation insurance. Such expenses are commonly referred to as direct costs. Unexpected costs are those that workers’ […]
Workers Compensation Premium Audits
Date: March 16, 2021Category: Author:
While workers’ compensation requirements can differ between states, many policies include a routine premium audit process. Different from most other lines of commercial insurance (e.g., property coverage)—in which potential exposures can be identified upfront and premium expenses are final—workers’ compensation premiums paid at the beginning of policy periods are provisional amounts. In other words, these […]
Cyber Liability: Preventing Ransomware Exposures From Remote Desk Protocol
Date: March 8, 2021Category: Author:
Remote desk protocol (RDP)—which is a network communications protocol developed by Microsoft—consists of a digital interface that allows users to connect remotely to other servers or devices. Through RDP ports, users can easily access and operate these servers or devices from any location. RDP has become an increasingly useful business tool—permitting employees to retrieve files […]
California Authorizes Stop-Work Orders and Requires Worker Exposure Notices for COVID-19
Date: September 23, 2020Category: Author:
On Sept. 17, 2020, California enacted a new law (AB 685) that authorizes the California Division of Occupational Safety and Health (the Division) to issue stop-work orders for facilities or operations that pose an imminent COVID-19 hazard to workers. The new law also requires employers to: Notify workers when they have potentially been exposed to […]
What You Should Know About Flood Insurance
Date: August 6, 2020Category: Author:
Flooding is a risk to any business, whether you are inland or near the coastline. In fact, in the past five years, all 50 states have experienced floods, and at least one in four businesses that shut down from a natural disaster never reopens. According to the U.S. government, the average commercial flood claim in […]