R&R Insurance Blog

Three key fleet safety elements all revolve around the driver: Distracted Driver Policies; Driver Selection and Defensive Driver Training.

Distracted Driver Policies:
Texting, talking on the cell phone and even use of hands-free devices produce higher accident rates than drunk driving. Developing an internal policy to restrict that type of behavior while your employees are driving will help reduce your accident rate.

Driver Selection:
Driver selection is the primary building block of a fleet safety program. Companies should have written criteria regarding MVR information to measure against in case one of their drivers starts to show more hazardous driving activity, there is a benchmark for which to refer back to.

Defensive Driver Training:
It's recommended that each company driver take a defensive driving class once a year,  even though a driver has had a defensive driving class in the past. This ensures that you are communicating a consistent message and also allows your drivers to do a personal mental checkup on their driving habits - in case they happen to develop poor habits along the way.

For more information about fleet safety for Wisconsin businesses, contact a knowledgebroker.

When is the right time to start investing in your long term care insurance?  Time is money when it comes to long term care insurance premiums.  The younger you are when you purchase your policy, the less you will pay in premiums over the course of a lifetime, because of the yearly premium being much lower the younger you are.

Learn why purchasing long term care insurance while you are in your 40s or 50s makes good financial sense in this short video...

Long Term Care Calculators at Smart Money!

For more information about long term care, contact knowledgebroker Jane Shevey.

There are several advantages to having a structured return to work program, all of which can shorten the length of the lost time claim, thus reducing the overall cost of the work comp claim and your workers compensation program.

1. Reduction of lost time reduces overall cost of the workers compensation claim
2. Gain control over the work comp claim process
3. Employees are more motivated to return to work, the shorter the time frame is from date of injury
4. Enables you the employer to manage the claim at a viewable distance
5. Displays interest in employee's health and empathy toward their situation

To learn more about the advantages of a structured return to work program, watch this quick video...

Time can work for you or against you in the workers compensation system. There are three critical timing aspects in regards to workers compensation claims:

1. Timely investigation (see 3 common mistakes of accident investigation)
2. Timely medical treatment
3. Addressing return-to-work intentions

To learn more about these three critical areas, watch this quick video...

It's important to understand how having a relationship with an occupational medical facility, and physicians can play in your favor when it comes to reducing workers compensation claims.

Showing sincere interest in getting the injured worker back to work, having the physician understand your work environment and a willingness to work together can all help to shorten the lost time claims portion of your workers compensation program. Learn more about developing a relationship with your occ-med provider in this quick video...

Practice managers for physician run practices are overloaded with every aspect of running a small business - from business operations, HR, recruiting, government compliance regulations and even maintenance and snow removal.

With the government's new found oversight into medical practices, billing and compliance - today more than ever - doesn't it make sense to rely on a knowledge broker who can alleviate some of the risk problems you have to solve, and make your job easier?

Security breaches are risky for everyone - large and small businesses alike. In fact, some would say that smaller business are more at risk because they lack the infrastructure to keep their data secure.

If you have employees - you have risk in that you are storing their personal identifiable information and their bank access information. Most business have employees!

If you have a product that you sell and collect shipping, credit card or billable information, you also have that exposure.

Have you thought about transferring all of this risk to an insurance product that can cover you in case of a data breach?  A product that can also help you pick up the piece and restore confidence once it happened?

We often see claims not handled appropriately, or circumstances where important details were overlooked.

It can never hurt to have another set of eyes reviewing the information on your behalf.  R&R's Resource Center has dedicated claims management specialists who make sure that every detail is reviewed.

Another area where it's truly beneficial to have a resource double checking the work is in the reserve and litigation expenses. These are very large dollar items and can have a huge impact on overall cost of the claim. Again, it never hurts to double check to work of the insurance adjuster.

Learn more about R&R's Claims Management process in these quick videos...

Schools today walk a fine line between wanting to trim expenses, yet get their students to an event in a safe manner. R&R Insurance can assist Wisconsin schools in creating transportation plans and alternatives that meet the needs of the school and keep the students and staff safe. Learn more about transportation options with R&R Insurance  in this quick video...

R&R Insurance is the agency of choice for southeastern Wisconsin schools. Safety plans and risk management programs help to keep the cost of their insurance down. Subjects like playground safety, bullying and staff influencers on work comp claims are example areas where schools can have a direct influence on their premiums. Learn more with this quick video....