Trouble Recruiting and Keeping Talent? Your Skimpy Health Insurance Is a Likely Cause

By | Business Insurance, Employee Benefits

The most important decision your company will make for its bottom line just might be the health and wellness program it chooses.

Annual global health spending is now over $3 trillion — and growing rapidly. A good portion of that is driven by millennials, who have both a strong interest in personal wellness and, thanks to the Affordable Care Act (aka, Obamacare), an 86 percent coverage rate (more than 50 percent through individual plans, their parents’ plans or Medicaid). For those in or entering the job market, health insurance is an expectation.

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New Jersey Enacts Paid Sick Leave

By | Business Insurance, HR Services

On May 2, 2018, New Jersey Governor Phil Murphy signed the Paid Sick Leave Act into law. The Act will require virtually all employers to provide paid sick leave to employees, effective Oct. 29, 2018. Under the Act:

  • All New Jersey employers must provide paid sick leave to their employees;
  • Employees will accrue one hour of paid sick leave for every 30 hours worked, up to 40 hours per year; and
  • Employees must be paid for paid sick leave at the same rate (and with the same benefits) they normally earn.

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Is Your Company Liable for Business-Related Vehicle Accidents?

By | Business Insurance

Regardless of the industry you operate in, it’s likely your employees need to operate vehicles for tasks like client visits, product deliveries, and product pickups. While larger organizations often provide insured company vehicles to their staff for daily use, small and medium-sized business often don’t have that luxury.

If employees use personal vehicles for business-related activities and get into an accident, your organization could be held liable. That’s why it’s critical to have non-owned auto liability insurance, which can provide the following benefits:

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Maryland Passes Paid-Sick-Leave Law

By | Business Insurance, HR Services

Maryland’s New Sick and Safe Leave Law under the Healthy Working Families Act

Effective February 11, 2018, Maryland employers must provide sick and safe leave to their employees, as state legislators recently voted to override Gov. Larry Hogan’s veto of the Healthy Working Families Act. With some exceptions, businesses in the state with 15 or more employees will have to provide up to 40 hours of paid sick leave to workers each year, and those with fewer employees must provide the same amount of time as unpaid leave. The leave may be used to care for the employee’s own or a family member’s mental or physical illness or injury, parental leave, or issues related to domestic violence, sexual assault or stalking.

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Post Your OSHA Injury Summary by Feb. 1

By | Business Insurance, Safety Services

Reminder: 

Employers Must Post Injury/Illness Summary Beginning February 1

Posting Requirement

OSHA reminds employers of their obligation to post a copy of OSHA’s Form 300A, which summarizes job-related injuries and illnesses logged during 2017. Each year, between February 1 and April 30, the summary must be displayed in a common area where notices to employees are usually posted. Businesses with 10 or fewer employees and those in certain low-hazard industries are exempt from OSHA recordkeeping and posting requirements. Visit OSHA’s Recordkeeping Rule webpage for more information on recordkeeping requirements. Read More

Benefits of Crime Insurance

By | Business Insurance

If you are a leader within your organization, you want to trust your employees and the people you do business with. However, no business is immune to the threat of crime and fraud. The Association of Certified Fraud Examiners estimates that a business can expect to lose 5% of its revenue to fraud each year. Thankfully, companies can turn to crime insurance, which can provide the following benefits:

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Empoyees-Looking-at-Computer

Employment Practice Liability Insurance?

By | Business Insurance

As a business owner, you strive to hire qualified employees to work for you. Unfortunately, as you are well aware, not every hiring decision goes as planned. Even if an employee is terminated for legitimate reasons— such as poor attendance or unsatisfactory work habits—every termination opens the door for potential lawsuits. Read on to learn from one business owner’s experience and find out how employment practice liability insurance (EPLI) can help protect you and your organization from costly, frivolous lawsuits. Read More

Injury-Worker

Top 10 Most Frequently Cited Standards

By | Business Insurance
The following is a list of the top 10 most frequently cited standards following inspections of worksites by federal OSHA. OSHA publishes this list to alert employers about the most commonly cited standards so they can take steps to find and fix recognized hazards addressed in these and other standards before OSHA shows up. Far too many preventable injuries and illnesses occur in the workplace. Read More