Having an insurance policy doesn’t necessarily equal protection. Security controls may not cover new technologies. Managers may not understand changes in employment regulations. Insurance policies may not reflect business growth.
We design risk management strategies that can help reduce costs and provide protection while improving profitability. Our experts recognize the various types of potential risks within your business. We work with you to identify the root causes of risk and implement an overall plan that is customized for your business. This includes mitigating liability, cultivating a safe workplace, leveraging technology solutions to enhance your risk program and closing gaps while eliminating redundancies in coverage.
We know what insurance policies exist in the marketplace and how to optimize them to transfer risk to suit your needs. With our history and long-standing reputation, we are able to be selective in the insurance carriers we work with. We place emphasis on financially sound, stable companies that provide adequate loss control and claim service on both national and global scales.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence for:
While fall protection remains at the top of the violations list again for 2018, fall hazard training is also a top violation — coming in at number eight with 1,982 violations issued last year. OSHA’s final rule in 2016 extended the range of the walking and working surface standard for general industry and added a fall protection standard for general industry. In doing so, OSHA recognized that many general industry workers face comparable fall hazards as those in construction.
Assuming a significant portion of the assets that you have accumulated are in the form of a privately held business, planning is important, and so is timing Unfortunately, life doesn’t come with guarantees. That calls for contingency planning to make sure that you or your family receive a realistic value for the equity stake you have in your business in the event of the unexpected.
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Few employers realize the importance of overseeing the workers’ compensation premium audit, which occurs at the end of each year to ensure you are paying the correct premium. After an audit, you could receive a surprise bill if the remuneration in work comp benefits paid to employees is found to be inaccurate — or you could receive a reimbursement. Auditors are susceptible to error, so be sure to classify benefits and wages appropriately, be prepared for the audit each year, and manage the process as much as possible.
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