Wed, Aug 01, 2018 @ 01:53 PM
Topics: Affordable Care Act
Wed, Aug 01, 2018 @ 01:48 PM
While it may be mid-summer, there are plenty of hot days ahead of us. And studies show that working in direct sunlight can increase the heat index by 15 degrees. If you or your employees are working in the heat, OSHA's Heat Safety App is an important one to have at your fingertips.
According to OSHA, the App allows workers and supervisors to calculate the heat index for their worksite, and based on the heat index, display a risk level to workers.
With a simple click, you can also receive reminders about:
Click here for more information about OSHA's App and for download instructions.
Tue, Jul 17, 2018 @ 11:58 AM
80% of Homeowners Overlook Costly Water Leak Exposure When Heading on Vacation
A study by Chubb Insurance shows that while on vacation, just 19% of homeowners view internal water leak damage as the most concerning threat to their home, despite the fact that water leaks are a more frequent risk than fire and theft. Homeowners are particularly vulnerable during summer travel season.
According to Chubb, "the time between when a leak occurs and when it is discovered is the single greatest factor in determining the amount of damage. As a result, leaks that occur while you're away result in greater amounts of damage in terms of both cost and severity."
Water damage claims have been rising over the last few years as well. In the last 10 years, the frequency of pipe bursts has nearly doubled. In addition to the increase in leaks, 90% of homeowners rate themselves as "vigilant" at preventative home maintenance, yet only 22% shut off the water main before heading out of town.
Before leaving on your next vacation, here are quick steps to properly protect your property:
Mon, Jul 16, 2018 @ 04:47 PM
Summer in Wisconsin is filled with a wide range of temperatures, which can lead to severe storms. While many of us enjoy a good summer storm and the lightning show that comes along with it, we can't forget how dangerous they can be.
In May of 2018, the National Weather Service reported two fatalities from lightning strikes, including a field worker and a child playing underneath a tree.
According to AAA, lightning can strike up to 15 miles from thunderstorms - even when skies are clear. If you hear thunder, slow rumbles, or loud cracks, lightning is close enough to strike you or your home. In recent years, the average cost of lightning damage to a home was $7,639.
Our partners at West Bend Mutual provided the following tips for Lightning Safety.
Real Life Example:
Ted Marino, resident of Brookfield, WI and an R&R customer since 1984, explains the peace-of-mind he had immediately after his home caught fire from a lightning strike during a storm in 2010. Ted and Chris escaped without harm, but their house was another story...
For additional resources to protect your personal assets from storm damage, contact a KnowledgeBroker at R&R.
Thu, Jul 12, 2018 @ 02:34 PM
Pollution liability policies are only for contractors involved in environmental or pollution cleanup … or so goes the common perception in the construction industry.
The truth is a trade contractor without a pollution policy actually has a serious coverage gap when it comes to mold, bacteria, asbestos, silica, and lead.
Insurance carriers, always adverse to risk, write General liability policies with exclusions specifically for the aforementioned substances. It would instead be the Contractor’s Pollution Liability policy picking up the tab for bodily injury and property damage claims involving these often overlooked pollution conditions.
Just about every contractor has some exposure to these elements:
Some Insurance carriers offer limited scope pollution endorsements. These endorsements do not compare in scope of coverage to a properly designed contractors pollution liability policy. After a loss, it’s too late to find out if a limited scope pollution endorsement provides enough coverage.
Should you have any further questions on potential coverage gaps in your current policy, talk to your Commercial Insurance Agent or shoot me an email.
Mon, Jul 02, 2018 @ 10:47 AM
Over the years, R&R Insurance has designed a proven 7-step method to successfully manage workers compensation programs. Our Professional Services have become experts in analyzing medical reserve dollars and can clearly articulate how insurance companies determine the numbers. By knowing market trends, carrier calculations, and your own unique situation, there are dollars to gain.
Wisconsin is one of the top 2 states in the country with the highest medical costs. Nearly 25 years ago, medical costs were 40% of work comp claims. Today, medical claims average 75% of total work comp claims. To put things into perspective, below are average rates based on five insurance carriers:
This shift in costs can be directly correlated to several things:
So what can companies do to start minimizing medical only work comp claims? One of the more effective solutions is the integration of safety and wellness (or what R&R calls WellCompForLife). By cohesively utilizing these committees, companies are able to collectively share resources and ultimately reduce the total insurance spend. By creating a behavioral change, employees will remain healthy and money will be added back to the bottom line.
To learn more about R&R's proven model, contact a member of our Professional Services.
Mon, Jun 25, 2018 @ 04:44 PM
Deadline approaching: employers have until July 1, 2018 to submit their OSHA 300 log data electronically directly to OSHA.Reporting Requirements
“Covered establishments with 250 or more employees are only required to provide their 2017 Form 300A summary data. OSHA is not accepting Form 300 and 301 information at this time. OSHA will issue a notice of proposed rulemaking (NPRM) to reconsider, revise, or remove provisions of the "Improve Tracking of Workplace Injury" rule, including the collection of the Forms 300/301 data.
Covered establishments with 20-249 employees must electronically submit information from OSHA Form 300A." – www.osha.gov
Establishments with 250 or More Employees
Establishments with 20-249 Employees
July 1, 2018
Forms 300A, 300, 301
March 2, 2019
How can we help?
The world of OSHA reporting can be complex and confusing, specifically when it comes to electronic reporting. R&R’s Professional Services team can help you navigate not only when to have your 300 submitted, but also what should be included on the log. Many companies actually over-report injuries on their 300 log which results in inflated incident or Frequency rates.
Fri, Jun 22, 2018 @ 12:05 PM
On June 19, 2018, the Department of Labor (DOL) released a final rule that gives small businesses more freedom to join together as a single group to purchase health insurance in the large group market or to self-insure. These benefit arrangements are called association health plans (AHPs). The final rule allows working owners without other employees, such as sole proprietors and other self-employed individuals, to join AHPs.
The final rule allows employers to join together to form an AHP that is a single ERISA plan if either of the following requirements is satisfied:
Most AHPs will not be subject to the Affordable Care Act’s requirement to include Essential Health Benefits (EHB), which requires small group plans to cover a core set of 10 major items and services, such as mental health care, maternity and newborn care, prescription drugs and emergency services. Most AHPs will also be exempt from the ACA’s rating restrictions for the small group market, which means that AHPs may base premiums on factors such as age, industry and gender. The final rule requires AHPs to comply with certain consumer protections and anti-discrimination protections that apply to the large group market (learn more).
R&R will continue to keep you informed as we monitor developing guidance regarding AHPs and other benefits matters at the federal and state levels. For a more complete understanding of the new AHP rule, click here to read more.
Thu, Jun 14, 2018 @ 04:04 PM
With the employee shortage many companies are facing, attracting and retaining talent is critical. An untapped resource for many industries is younger talent – such as high school students. While minors can be a very valuable resource for employers, there are best practices to keep in mind so your organization continues operating safely and efficiently.
Wisconsin's employment of minors laws prohibit the use of certain potentially hazardous equipment by minors under the age of 18. Included on the list are jobs such as:
Note: The list is not exhaustive. If you have questions about a particular piece of equipment, we encourage you to contact the Department's Equal Rights Division or visit the Department of Workforce Development’s website for specific definitions.
Additional considerations when employing minors:
In addition to equipment, there are other crucial elements to keep top of mind when hiring minors. A sample of these elements include:
R&R Insurance has numerous resources to help your organization attract, train, and attain young talent. To learn more, contact Jamie Vanderveldt.
Fri, Jun 08, 2018 @ 08:23 AM
According to the National Safety Council (NSC), June is National Safety Month and the focus is on reducing the leading causes of injury and death at work, on the road, and in our homes and communities. Throughout the month, the NSC will be providing weekly materials centered around the following topics:
How is your organization taking part in National Safety Month? Contact firstname.lastname@example.org for additional resources.
Topics: Health and Safety