Alliance Insurance Services Articles
One of the most dangerous winter driving hazards is skidding. If it happens at a high speed, the result can be deadly. But most skids can be avoided by simply adjusting to driving conditions and knowing how to recover from a skid. Skids are most likely to occur on curves and turns, so slow down ahead of time to prepare for them. Then, when in the curve, accelerate slowly and steer steadily with no abrupt change in direction and, especially, no abrupt braking. Driving smoothly in general can help prevent skids.
Every day, nearly 10 people are killed and more than 1,100 people are injured in crashes reportedly involving a distracted driver, according to the National Highway Traffic Safety Administration (NHTSA). In addition, the NHTSA claims that driver inattention is the leading contributing factor in most crashes or near-miss accidents in the United States.Texting is a prevalent cause of roadway crashes because full driver attention is crucial, and it is virtually impossible to watch the road and text simultaneously. Would you want drivers around you on the road to text while at the wheel?
Summer heat can be more than uncomfortable; it can be a threat to your health, especially for older adults and children. Whatever your age, don’t let the summer heat get the best of you. An example of this, Heat exhaustion occurs when a person cannot sweat enough to cool the body – usually the result of not drinking enough fluids during hot weather. It generally develops when a person is playing, working or exercising outside in extreme heat.Staying well-hydrated is one of the most important things you can do to beat the heat. Feeling thirst means that your body is on the road to becoming dehydrated, so don’t wait to drink until you are thirsty – especially if you are working outside in extreme heat.
Working with a computer doesn't have to be a strain. To make your work more pleasant and less stressful on your body, be on the lookout for warning signs which indicate that your working conditions need to be adjusted.Eyestrain and headaches: Adjust your computer screen because it may be too bright or not bright enough, and make sure it’s positioned an arm’s length away from where you are sitting. Eliminate sources of glare on the screen, and if eye strain continues, consider having an eye exam.Sore hands, wrists, arms, shoulders: These conditions indicate that you aren't sitting properly. Make sure that you have arm and wrist supports. Raise or lower the keyboard so that your arms are at a 90-degree angle (like the letter “L”).
Moving bulky items on the job? Then you need to keep safety in mind! Consider these material handling recommendations to avoid injuries as you work. The best way to handle boxes or cartons is to grasp the far side top and bottom corners. Long pieces of pipe, bar stock or lumber should be carried over a padded shoulder with the front end held high to avoid hitting other employees. Also, exercise special caution when rounding corners.It is also very important to use the right tool for the job. Do not attempt to use your fingers as a pry, a wrench for a hammer or a screwdriver for a chisel. Safety Takes Teamwork, it’s often the simplest shortcut that leads to injuries. Learn the right way to handle materials to stay out of harm’s way.
Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job are always the most important. It is important to act quickly and take action immediately for legal reasons, but also because studies show that the faster you initiate the workers’ compensation process after an injury, the lower the ultimate cost of your claims.To read more click below.
Do you know how many states in the United States allow a business to go without mandatory workers’
compensation? If you said “one”, you’re right - Texas is it. Even with that said, most businesses in Texas carry workers’ comp to be sure they are protecting the financial stability of their business in the best possible manner. If a business pays over $5000 in insurance premium for workers’ compensation, an experience modifier is applied after 3 years of continuous coverage. This modifier is a reflection of several things: insurance premiums paid by a business, the size of the claims paid from injuries, frequency of claims, expected amount of claims based on the classification, and a host of other calculations. All modifiers in Texas are calculated by the National Council on Compensation Insurance, NCCI. To read more click below.
What is workers compensation? Workers comp had its beginning in 1914 in New York and soon spread to all 50 states, the District of Columbia and Puerto Rico. Each state has its own particular statute that defines an employee’s rights to coverage and protection and employers are required to provide it—that is with the exception of Texas. Texas is the only state where an employer can opt out of workers comp coverage but should do so in a very specific way.
The sole purpose of workers compensation coverage is to protect employees for injury and diseases sustain while working for an employer. The workers comp policy is designed to pay specific benefits to employees if they sustain an injury on the job or contract a disease due to the nature of the job. To read more click below.
In all my years of providing clients workers compensation coverage, I can think of nothing that is more frustrating to client than being required to pay additional premium aftera policy year has expired. There are 4 reasons why this happens.
1. The projection of payroll for the upcoming year was incorrect.
2. No one paid attention to the projections during the policy year to be sure it was accurate.
3. The insured did not understand the impact of utilizing contractors without workers compensation coverage in their business.
4. When the auditor arrived to do the audit, the insured did not have someone working with the auditor that fully understood the workers compensation premium audit process.
Click below to see each of these reasons in detail so you do not have the same frustration.
Many employers do not understand that there are more costs associated with protecting their employees against injury than workers compensation premiums. These costs can have a significant impact on profitability and effort should be taken to understand and control those costs. To control these cost, the employer needs take an overall cost of risk approach to employee safety and not just pay attention to workers comp premiums.
Understanding some basic information about how a Workers Compensation Experience Modifier is calculated can go along way in understanding how to keep workers comp premiums in line. It is a complex formula, but this article is an attempt to bring just a few basic points.
When a Company has workers compensation claims the indirect cost associated with each claim to the company is between 1.1 to 4.5 times the direct costs of the claim. To many organizations this is unacceptable, but they feel powerless to reduce their workers comp costs .This article explains 6 things an employer can do to reduce their claim activity.