AMAXX

JANUARY 27, 2025

Misidentifying the Problem A frequent mistake is attributing WC challenges solely to injury management partners or external factors, such as adjuster turnover or physician behavior. Do supervisors and employees understand their roles in the post-injury process? Provide them with: Clear guidelines on post-injury response.

Workers Comp 94

Workers Comp Injury Workers Compensation Claim 94

AMAXX

MARCH 18, 2025

This opens the door to exaggerated injuries, unrelated medical issues being attributed to work, and even outright fraudulent claims. Heres how: Establish a Clear Injury Investigation Process Not all injuries that occur at work are work-related, and not all reported injuries are legitimate.

Workers Compensation 71

Workers Compensation Compensation Claim Workers Comp 71

AMAXX

MARCH 18, 2025

When a workplace injury occurs, selecting the right physician is a critical factor in ensuring a smooth recovery and return to work. While using an approved network is necessary for insurance and cost-control reasons, not all doctors within the network are equally effective at managing workplace injuries.

Workers Comp 94

Workers Comp Workers Compensation Injury Compensation 94

AMAXX

MARCH 4, 2025

Past Negative Experiences : If a company has a history of poorly handling claims or has terminated employees following an injury, fear will be heightened. Provide information during onboarding about medical treatment options, return-to-work policies, and wage replacement benefits. The consequences of these fears are significant.

Workers Compensation 82

Workers Compensation Compensation Claim Workers Comp 82

AMAXX

MARCH 24, 2025

Next Steps: In the final article of this series, we’ll cover specialized situations including “One More Exception,” the assignment of classification codes, and additional policy adjustments known as “schedule rating.” Contact: mstack@reduceyourworkerscomp.com.

Workers Comp 104

Workers Comp Premium Workers Compensation Compensation 104

Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. Ensure your insurance policy is up-to-date.

Workers Compensation 52

Workers Compensation Liability Property Damage Inland Marine Insurance 52

AMAXX

MARCH 17, 2025

These challenges can stem from incentives, employee motivations, policies, or procedures that deliver unintended consequences. For example: If production is prioritized over safety , employees may feel pressured to work through injuries or avoid reporting them. Small injuries go unaddressed, leading to more severe claims down the road.

Workers Comp 66

Workers Comp Workers Compensation Injury Compensation 66

AMAXX

FEBRUARY 4, 2025

Return to Original Position Upon Full Recovery Once the employee reaches maximum medical improvement (MMI) , they return to their pre-injury job. Conclusion An effective transitional duty policy supports injured employees while controlling workers’ compensation costs. Contact: mstack@reduceyourworkerscomp.com.

Workers Comp 97

Workers Comp Workers Compensation Injury Compensation 97

AMAXX

NOVEMBER 11, 2024

” Common Flaws in Policies Many companies unknowingly implement policies that inadvertently sabotage their return-to-work efforts. These flawed policies often prevent employees from returning promptly, which can lead to increased costs and decreased morale. Contact: mstack@reduceyourworkerscomp.com.

Policy 98

Policy Workers Comp Workers Compensation Injury 98

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Injury claim severity in the state is slightly higher than in the rest of the country. Property damage liability claims per 100 insured vehicles are 15 percent higher, and relative body injury claims frequency is 60 percent higher. Data indicates that litigation costs have become a pervasive concern for risk management.

Commercial General Liability 89

Commercial General Liability Commercial Umbrella Claim Liability 89

TGS

MARCH 17, 2025

TGS Insurance Blog Lets be realwhen its time to pick an auto insurance policy, most of us are just hunting for the cheapest option that doesnt leave us totally exposed. Its got two main parts: bodily injury liability and property damage liability. Your own injuries. I mean, who doesnt love a good deal? Random acts of chaos.

Auto Insurance 59

Auto Insurance Liability Risk Out-Of-Pocket 59

AMAXX

MARCH 4, 2025

A policy or training is implemented to check the compliance box. OSHA Compliance as a Cost-Saving Strategy Workplace injuries are expensive. A proactive safety strategy aligned with OSHA standards can drastically reduce workplace injuries, lowering both direct and indirect costs. This approach is inherently inefficient.

Workers Comp 71

Workers Comp Workers Compensation Injury Compensation 71

Frankenmuth Insurance

JANUARY 23, 2025

Wellness programs reinforce healthy habits and can reduce the risk of workplace injuries and illnesses. Contact your local, independent insurance agent for coverage advice and policy services. Provide regular training sessions to new hires and current employees and reinforce it with periodic refreshers. appeared first on Home.

Risk 90

Risk Agents Injury Insurance Agents 90

AMAXX

JULY 29, 2024

In the realm of workers’ compensation, the role of an injury coordinator is pivotal. This position is crucial for managing the complex processes associated with workplace injuries, ensuring both compliance with regulations and the well-being of employees.

Workers Compensation 59

Workers Compensation Injury Compensation Workers Comp 59

ProWriters

APRIL 17, 2024

Contingent bodily injury cyber attacks can cause physical harm, directly or indirectly. One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. Cyber Liability for Bodily Injury: Some Examples How might a cyber incident end up causing bodily harm?

Cyber 52

Cyber Injury Liability Liability Insurance 52

Rough Notes

FEBRUARY 4, 2025

As a result of the accident, he suffered injuries and received medical treatment. At the time, Fear held an underinsured motorist (UIM) policy issued by GEICO. With […]

Injury 52

Injury Policy Insurer Insurance 52

New Jersey Workers' Comp

JULY 19, 2024

Intentional harm lawsuits can be harrowing for employers to defend because the allegations are generally not covered under the workers’ compensation policy. As the readers know, there are two parts to a workers’ compensation policy. She filed both workers’ compensation claims for these injuries. July 12, 2024).

Injury 52

Injury Claim Compensation Policy 52

AMAXX

MARCH 24, 2025

Upon mutual agreement, the policy is then issued with the corrected classification codes. Schedule Rating and Policy Adjustments Once accurate classifications are established, insurers can apply further premium modifications known as “schedule rating.” Contact: mstack@reduceyourworkerscomp.com.

Workers Comp 59

Workers Comp Premium Workers Compensation Compensation 59

AMAXX

JULY 15, 2024

This delay typically occurs when there is uncertainty about whether the injury is work-related, resulting in neither workers’ compensation nor general health insurance covering the initial treatment. Example: Consider John, who reports a shoulder injury first thing on a Monday morning.

Workers Compensation 83

Workers Compensation Compensation Claim Workers Comp 83

LexisNexis

FEBRUARY 5, 2025

Thus, the causal effect provides a better estimate of the effect of attorney involvement on paid benefits, and the results of this study may be more helpful in policy debates around the issues of attorney representation. The study analyzed more than 950,000 claims for work injuries incurred between October 1, 2012, and September 30, 2019.

Workers Compensation 49

Workers Compensation Compensation Injury Claim 49

Distinguished

MARCH 20, 2025

Not only are they insured in the event of a covered risk, but they can also sleep well at night knowing they have a policy limit that is high enough to cover whatever gets thrown their way. For example, a resident suffered severe injuries a fractured tibia and fibula after slipping on black ice while walking to her car.

Building 52

Building Protection Damage Liability 52

AMAXX

SEPTEMBER 3, 2024

These challenges can be exacerbated by poor communication, lack of clear policies, or inadequate support systems. Develop a Comprehensive RTW Policy A well-defined RTW policy is the cornerstone of managing difficult return-to-work scenarios. Understanding these difficulties is the first step toward addressing them effectively.

Workers Comp 104

Workers Comp Injury Workers Compensation Compensation 104

Protect Commercial Insurance

MAY 24, 2024

While you may have the basic insurance policies in place, such as property and general liability insurance, there are several other essential insurance policies that you might be overlooking. In this article, we will explore five often overlooked insurance policies that can provide valuable coverage for your business.

Insurance Policy 52

Insurance Policy Protection Policy Business Interruption 52

Mark Jackson Insurance Agency

OCTOBER 16, 2024

Multicolored umbrellas by Pixabay When it comes to personal insurance , most people are familiar with their auto , homeowners , or renters policies. However, fewer may be aware of umbrella insurance —a type of coverage that goes beyond the limits of your existing policies to protect you from substantial financial risk.

Liability 52

Liability Policy Insurance Policy Protection 52

Distinguished

FEBRUARY 24, 2025

From understanding local exposures to leveraging tailored package policies, youll gain the insider knowledge needed to win your clients trust and business. Slip-and-fall incidents: High foot traffic in dining areas and restrooms increases the risk of customer or employee injuries, which can lead to costly liability claims.

Liability 52

Liability Liability Insurance Insurer Insurance 52

TGS

MARCH 4, 2025

Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. Lapsed Policies: Others let their coverage lapse unintentionally due to missed payments or forgetting to renew. How to Avoid the Pitfalls of Driving Uninsured The good news?

Auto Insurance 52

Auto Insurance License Insurer Insurance 52

AMAXX

NOVEMBER 26, 2024

Get Immediate Treatment : Ensure that employees have access to immediate medical care following an injury. Implement Pay Without Prejudice : Consider implementing a “pay without prejudice” policy to cover the initial cost of care, regardless of whether the injury is ultimately deemed compensable under workers’ compensation.

Workers Comp 105

Workers Comp Workers Compensation Compensation Injury 105

Jackson & Jackson

NOVEMBER 16, 2024

Ensuring your business has the right insurance policies is not just a smart decision—it’s essential for long-term success. Here are the top 6 insurance policies every IT business in California should have to safeguard their operations. This policy covers medical expenses and lost wages if an employee gets injured or sick while working.

Insurance Policy 52

Insurance Policy Policy General Liability Workers Compensation Insurance 52

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations. If you have employees, securing workers’ compensation insurance can provide financial support for medical bills and lost wages if a workplace injury occurs.

Commercial Insurance 40

Commercial Insurance Commercial General Liability Insurance Agency 40

Distinguished

MARCH 20, 2025

Both resolved and unresolved violations can affect the terms, premiums, and overall coverage of these policies. Brokers also help interpret legal precedents and case law, including issues of negligence, duty to maintain clauses, and the concealment or misrepresentation clauses found in insurance policies.

Broker 52

Broker License Insurance Broker Risk 52

TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

Insurance Policy 52

Insurance Policy Policy Home Insurance Personal Property 52

Distinguished

OCTOBER 15, 2024

One common question is whether the contractor and the property owner can be named insureds on the same Builder’s Risk policy. The answer lies in both parties’ financial interest in the property and how that impacts the insurance policy’s structure. Property owners may also choose to add Premises Liability coverage to the policy.

Policy 52

Policy Risk Broker-Agent Liability 52

LexisNexis

FEBRUARY 4, 2025

Learn about issues that can arise for insureds and insurers when insurance policies of various durations are called upon to answer for claims and when multiple insurance policies may also apply. In turn, that status, in part. dictates the obligations of the respective insurers to the insured and one another.

Policy 40

Policy Commercial General Liability Injury Damage 40

AMAXX

JANUARY 13, 2025

Insurance Company: The Risk Bearer Often referred to as the underwriter, insurer, or carrier, the insurance company provides the workers’ compensation policy and assumes the employers risk. These benefits include medical coverage, wage replacement, and rehabilitation services for work-related injuries or illnesses.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Broker-Agent 98

Word & Brown

APRIL 1, 2025

It is important to note, though, that certain premiums are not eligible for deduction, including: Life insurance policy premiums Insurance for loss of function, sight, or life Loss-of-earning insurance policies Car insurance policies covering medical care for anyone injured by or in a clients car Insurance policies offering a guaranteed amount during (..)

Deductible 52

Deductible Premium Out-Of-Pocket Insurance Policy 52

Distinguished

MARCH 19, 2025

Both resolved and unresolved violations can affect the terms, premiums, and overall coverage of these policies. Brokers also help interpret legal precedents and case law, including issues of negligence, duty to maintain clauses, and the concealment or misrepresentation clauses found in insurance policies.

Building 52

Building Broker Damage Insurance Broker 52

Insurance Journal

AUGUST 4, 2024

Just as another potential hurricane bears down on Florida, the child of a central Florida woman is litigating a claim from a previous storm – Hurricane Ian in 2022. This time, though, the plaintiff claims not only breach of contract …

Claim 279

Claim Insurance Policy Policy Injury 279