Opening and operating a captive insurance company is an important business decision.  It should not be made spur of the moment, but instead should occur after careful deliberation and thought.  Here is a list of “10 questions” every prospective captive owner should answer and think about when contemplating forming a captive insurance company.  As you [...]

Overview
Heat and humidity can cause several different types of heat-related illnesses such as heat cramps, heat exhaustion and heat stroke. Knowing the signs and symptoms of each type of heat-related illness will help to keep you safe on the job. Normally, the body has ways of keeping itself cool by allowing heat to escape through [...]

On April 29, 2013, OSHA issued a memo instructing its Compliance Safety and Health Officers (CSHOs) to take extra steps during inspections and investigations when reviewing the efforts employers make to protect the safety and health of their temporary workers.
BACKGROUND
OSHA has recently received a number of reports of temporary workers suffering fatal injuries during their [...]

In July 2012, the Biggert-Waters Flood Insurance Reform Act was signed into law, amending various provisions of the Flood Disaster Protection Act of 1973. The Act brings two major changes to the National Flood Insurance Program (NFIP) that you should know about:
1.    For buildings below the base flood elevation, Congress has instructed the Federal Emergency [...]

Many of the Affordable Care Act’s (ACA) major provisions take effect Jan. 1, 2014, and business owners across the country are curious about the effects that the health care changes will have on the Property & Casualty (P&C) market.
Industry experts speculate that the ACA will have the greatest direct impact on medical malpractice liability insurance [...]

Would you feel safe riding in a car with a drunk driver at the wheel? If not, you might want to think twice the next time you reach for your cell phone while driving. Researchers from the University of Minnesota found that talking on a cell phone while driving impairs one’s ability even more than [...]

Historically, it has been Fortune 400 corporations who have benefited from their participation in captive insurance arrangements to manage their workers’ compensation and other property and casualty risks.
It was over 500 years ago when ship owners in London met in a Lloyd’s coffee shop to write down their names and value of their cargo. These [...]

There was a surge in traffic fatalities in 2012, according to the National Safety Council. It’s the first year traffic-related deaths increased  since 2005.
In addition to the inestimable cost of lost human life, these traffic accidents carry a significant monetary cost—approximately $276.6 billion—in everything from lost wages and productivity to medical expenses and property damage.
Today’s [...]

One third of U.S. workers are the victims of bullying, according to the Workplace Bullying Institute. Bullying can be very costly for companies, as it contributes to high turnover rates, low employee productivity and the inability to recruit quality employees, in addition to lawsuits.
Legal experts predict that bullying could be the next major battleground of [...]

2013 is the year of confusion.  No, this isn’t the first year that Healthcare Reform has been in place.  We are talking about legislation that became law over 3 years ago.  Most are aware of some of the initial changes:
-Lifetime coverage limits being abolished
-Dependents can be added until age 26 regardless of student or married [...]