Insurance Journal

AUGUST 27, 2024

On a hot summer day in Oak Ridge, Tennessee, dozens of men removed pipes, asbestos and hazardous waste while working to decontaminate a nuclear facility and prepare it for demolition. Dressed in head-to-toe coveralls and fitted with respirators, the crew …

Risk 263

Risk Injury 263

AMAXX

AUGUST 26, 2024

To better grasp this, let’s walk through a hypothetical scenario that illustrates two different supervisor responses to an employee’s injury and explore the potential consequences of each approach. Then, we’ll talk about how we can work together to accommodate your injury and help you return to the team as soon as possible.”

Injury 105

Injury Workers Comp Workers Compensation Compensation 105

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

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

This brief provides an overview of how several factors, including skyrocketing costs from litigation, pose risks to coverage affordability, availability, and other potential economic outcomes for Georgia residents. Injury claim severity in the state is slightly higher than in the rest of the country.

Commercial General Liability 89

Commercial General Liability Commercial Umbrella Claim Liability 89

Insurance Journal

FEBRUARY 19, 2025

personal injury law firm Morgan & Morgan sent an urgent email this month to its more than 1,000 lawyers: Artificial intelligence can invent fake case law, and using made-up information in a court filing could get you fired. A …

Injury 267

Injury Liability Risk 267

AMAXX

MARCH 24, 2025

General Exclusions Some roles carry such distinct risks or differ significantly from an employers core operations that they’re classified separately. This concept is known as “multiple classifications,” and it ensures each distinct part of a business accurately reflects its own risk profile.

Workers Comp 104

Workers Comp Premium Workers Compensation Compensation 104

AMAXX

MARCH 24, 2025

Payroll serves as a primary measure of the employer’s exposure to potential workplace injury and thus significantly impacts premium costs. Accurate payroll accounting reflecting these deductions helps maintain appropriate premium charges aligned with actual exposure to injury risk. However, strict rules apply.

Workers Comp 71

Workers Comp Premium Injury Workers Compensation 71

Frankenmuth Insurance

JANUARY 23, 2025

Start by assessing potential hazards in each department and outlining safety measures tailored to specific roles and risks. To start your plan, identify the specific risks your business faces, such as flooding, storms, or equipment failure. A well-defined safety plan lays the foundation for a secure workplace. Create a disaster plan.

Risk 90

Risk Agents Injury Insurance Agents 90

Prof. Allan Manning

FEBRUARY 3, 2025

If a terrorist attack involves any of the examples listed, then it is likely to be well beyond the capacity of private enterprise and is really a political risk best addressed by government. Some policies reviewed only exclude death and injury as a result of an Act of Terrorism.

Policy 173

Policy Insurance Policy Insurer Insurance 173

AMAXX

FEBRUARY 18, 2025

Consider Psychosocial Factors Recovery from work injuries is often influenced by psychological and social barriers that go beyond physical healing. How to Overcome This Barrier Engage a Medical Advisor for Peer Review A peer review physician evaluates whether the treating doctors recommendation aligns with best practices for injury recovery.

Workers Comp 91

Workers Comp Injury Workers Compensation Compensation 91

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. Making it clear in company policies that an injury will not automatically lead to job loss. The consequences of these fears are significant.

Workers Compensation 82

Workers Compensation Compensation Claim Workers Comp 82

Insurance Journal

SEPTEMBER 9, 2024

regulator said on Monday it is proposing a requirement that some future vehicles be redesigned to reduce the risks of serious or fatal injuries in crashes involving pedestrians amid a rise in such deaths. The National Highway Traffic …

Injury 147

Injury Risk 147

Shield Insurance Agency

MARCH 31, 2025

Running a warehouse in Michigan involves managing a variety of risks, from property damage to employee injuries. Commercial insurance plays a key role in mitigating these risks, providing crucial protection for warehouse operations. These risks can lead to significant financial losses if not properly managed.

Commercial Insurance 52

Commercial Insurance Commercial Insurance Agency Injury 52

Mark Jackson Insurance Agency

MARCH 19, 2025

Brick commercial office building by Binyamin Mellish Expanding your business to a new location is an exciting step toward growth, but it also introduces new risks. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk.

Workers Compensation 52

Workers Compensation Liability Property Damage Inland Marine Insurance 52

AMAXX

FEBRUARY 24, 2025

Evidence-Based Medicine (EBM) plays a critical role in workers compensation, guiding both medical professionals and non-medical stakeholders in making informed decisions about injury treatment, recovery time, and return-to-work strategies. This ensures that EBM guidelines reflect a comprehensive, well-rounded approach to injury treatment.

Workers Compensation 66

Workers Compensation Compensation Workers Comp Injury 66

AMAXX

FEBRUARY 24, 2025

The injury coordinator can evaluate these aspects of both telephonic case management and field-based case management by first emailing the adjuster and stating the above. Also, the injury coordinator should know whether your NCM is an RN or a Licensed Practical Nurse (LPN). Can we get a list of all claims that have NCM assigned?

Workers Compensation 66

Workers Compensation Workers Comp Compensation Claim 66

AMAXX

MARCH 17, 2025

For example: If production is prioritized over safety , employees may feel pressured to work through injuries or avoid reporting them. While this seems logical, it often results in employees not reporting injuries out of fear theyll cost their team a bonus. Small injuries go unaddressed, leading to more severe claims down the road.

Workers Comp 66

Workers Comp Workers Compensation Injury Compensation 66

AMAXX

FEBRUARY 17, 2025

” Fear of termination often outweighs the physical and financial stress of an injury. These concerns could be addressed proactively with a structured post-injury communication plan. Consider using an injury triage system to connect employees with medical professionals early in the process.

Workers Comp 66

Workers Comp Claim Workers Compensation Injury 66

AMAXX

MARCH 4, 2025

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. Strategic Shift: View OSHA compliance not just as risk management but as a differentiator that sets your business apart.

Workers Comp 71

Workers Comp Workers Compensation Injury Compensation 71

AMAXX

MARCH 10, 2025

Pressure in an Uncertain Job Market When layoffs occur, employees might rush to file claims for minor injuries they’ve previously worked through, feeling pressured by the uncertain job market. Invite them to tour your facility beforehand to enhance their understanding of potential injury contexts.

Workers Comp 59

Workers Comp Claim Workers Compensation Injury 59

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

When you think about cyber risks, you probably think about the dangers malware attacks, data breaches, and other incidents pose to your business clients’ operations, revenue, and reputation. But cyber threats can pose risks to not only sensitive data but also to physical safety. Several carriers now offer bodily injury coverage.

Cyber 52

Cyber Injury Liability Liability Insurance 52

AMAXX

JULY 30, 2024

So this is your premium adjustments, and these are discretionary adjustments that can be given by your underwriter based on how well they perceive you managing your risk, how well they perceive you managing your risk. and why are we gonna try to get this risk up because you’re saying, hey. So let’s talk about this.

Workers Comp 64

Workers Comp Risk Workers Compensation Injury 64

AMAXX

MARCH 10, 2025

In the first part of our series, we emphasized the importance of thoughtful layoff planning to mitigate the risk of increased workers’ compensation claims following a workforce reduction or facility closure. Stack is the creator of Injury Management Results (IMR) software and founder of Amaxx Workers Comp Training Center.

Workers Comp 59

Workers Comp Claim Workers Compensation Injury 59

AMAXX

JANUARY 14, 2025

Workers’ compensation programs are a cornerstone of workplace safety and risk management. While their primary purpose is to ensure employees receive medical and wage replacement benefits for work-related injuries, they also offer critical advantages to employers.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Injury 98

AMAXX

MARCH 24, 2025

Active collaboration with insurers and a demonstrated commitment to risk management can result in substantial premium reductions. Engaging independent premium auditors ensures objectivity, thoroughness, and potential cost savings, allowing businesses to maintain accurate premiums aligned with their true risk profiles.

Workers Comp 59

Workers Comp Premium Workers Compensation Compensation 59

TGS

MARCH 4, 2025

At TGS Insurance, were here to help you understand the risks of driving uninsured and why securing the right coverage is a smart move for every Florida driver. Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault.

Auto Insurance 52

Auto Insurance License Insurer Insurance 52

Frankenmuth Insurance

SEPTEMBER 19, 2024

What risks does your business face? But the most successful businesses know how to prepare for these risks and respond to them quickly and effectively. See some of the business risks you could face and what you can do. Risk #1: Weather and natural disasters. Risk #2: Employee health and safety. Risk #5: The future.

Risk 81

Risk Workers Compensation Protection Agents 81

Triple-I: Homeowners Insurance

APRIL 8, 2024

billion in dog-related injury claims in 2023, according to research by Triple-I and State Farm. It is important to recognize that any dog, including ones that are in the home, can bite or cause injury.” Not all illnesses and injuries are obvious, and dogs are more likely to bite if they are sick or in pain.

Injury 52

Injury Claim Liability Property Insurance 52

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. Employers: The Insured Employers, referred to as the insured or the risk, are the foundation of the workers compensation system.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Broker-Agent 98

AMAXX

OCTOBER 24, 2024

Workplace injuries can have significant financial and operational impacts on businesses, but the cost to the employee is often much greater. From physical pain to financial insecurity, an injury can be life-altering. Despite this, many employers overlook one of the most critical aspects of workplace injury management: rehabilitation.

Workers Compensation 105

Workers Compensation Compensation Injury Workers Comp 105

AMAXX

MARCH 11, 2025

Click Link to Access Free PDF Download “The 5Cs to Taking a Bulletproof Injured Worker Recorded Statement” Thorough surveillance can mitigate risk by ensuring only legitimate claims receive payment, protecting your financial stability. Contact: mstack@reduceyourworkerscomp.com.

Workers Comp 52

Workers Comp Claim Workers Compensation Injury 52

R&R Insurance

FEBRUARY 16, 2024

As the cold weather sets in, it's crucial to be aware of the dangers that come with it, especially the risk of slip and fall injuries. The Cost of Complacency In 2021, the average claim for slip and fall injuries was nearly $50,000. This simple change in habit can significantly reduce the risk of falls.

Injury 52

Injury Risk Claim Insurer 52

AMAXX

AUGUST 7, 2024

Misclassification can lead to costly errors, either by overpaying premiums or by facing penalties for underreporting risk. Each classification is assigned a code, which corresponds to a certain level of risk associated with that type of work. The higher the risk, the higher the workers’ compensation premium for that classification.

Workers Compensation 102

Workers Compensation Compensation Workers Comp Premium 102

LexisNexis

FEBRUARY 5, 2025

The study compares benefits paid with and without attorney representation according to injury type and by individual states. The increase in benefits differ by injury type and, especially, by state, but the overall pattern indicates a significantly positive effect on indemnity benefits paid with attorney representation.

Workers Compensation 49

Workers Compensation Compensation Injury Claim 49

AMAXX

SEPTEMBER 9, 2024

A board-certified physician reviews whether the injured worker is receiving the best possible care for their injury and identifies areas where the treating physician may lack knowledge or deviate from standard medical care. Diagnosis and prognosis remain unclear, or the disability period is disproportionate to the injury.

Workers Comp 102

Workers Comp Injury Compensation Claim 102

AMAXX

OCTOBER 8, 2024

Transitional duty allows employees to return to the workplace in a modified capacity while they continue to recover from their injuries. Both approaches offer unique advantages depending on the nature of the injury and the availability of suitable work within the company.

Workers Compensation 104

Workers Compensation Compensation Workers Comp Injury 104