R&R Insurance Blog

Frank & Faith Stabb

Frank_Faith_Value

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Frank_Faith_Story

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Jay Mueller

Jay_M_Kids_Accidents

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Jay_M_People_Business

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Jay_M_Story

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John & Katie Wilde

John_Katie_Story

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John Nilsen

Johns_Story

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John Taylor

John_About_Car_Accident

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John_Lightening_Strike

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Mary Baer

Mary_Car_Replacement

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Mary_Why_RRI

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Ted Marino

Ted_Story

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Ted_Why_RRI

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Healthcare workers are frequently exposed to bloodborne pathogens. OSHA - Occupational Safety & Health Administration together with NIOSH - National Institute for Occupational Safety and Health is continously working to educate employers and employees about these hazards and the best means of prevention.

A recent NIOSH-supported study shows how the Needlestick Safety and Prevention Act (NSPA) and OSHA’s Bloodborne Pathogens standard have significantly reduced needlesticks and bloodborne disease exposure for healthcare workers as recent as December 2011. OSHA's revised standard requires employers to provide safety-engineered devices to workers who are at risk for exposure to bloodborne pathogens, to include employees in the selection of these devices, to review exposure-control plans at least annually, and to maintain specific sharps-injury logs.

For more information about bloodborne pathogens and needlestick prevention, visit OSHA's Safety and Health Topics page . To request a review of your organization's bloodborne pathogen plan or other safety programs contact Maureen Joy with R&R Insurance's Resource Center.

Home healthcare workers can find themselves in unprotected and unpredictable environments and can be vulnerable to verbal abuse, stalking, threats of assault, and even homicide.

NIOSH -National Institute for Occupational Safety and Health has published a new resource (PDF*) to assist employers in preventing violence against home healthcare workers. This factsheet offers strategies for workers and encourages employers to establish a zero-tolerance policy for violence and provide workers with violence-prevention training. OSHA - Occupational Safety & Health Administration has guidelines for preventing workplace violence for health care and social service workers. For more information, visit OSHA's Workplace Violence or CDC/NIOSH’s Occupational Hazards in Home Healthcare sites.

Contact R&R Insurance - Resource Center if you would like to discuss this or other employee work place exposures

Dan Wolfgram

Ice Dams PUBLISHED

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Carla Borda

Carla Technology Seminar Intro PUBLISHED

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Carla Educate Our Clients

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Carla Healthcare Clients

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Carla Malpractice Program

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Carla Physician Practice

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Carla Serving On Board PUBLISHED

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Carla Technology General Risk PUBLISHED

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Carla Technology

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Carla Theft

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Jack Riesch

Jack Rep Of Libery-Indiana

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Jack Surviving Recession

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Jane Shevey

Jane Long-Term Care Benefits

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Jane Self Insuring

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Jane Long-Term Care Insurance

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Jane Average Age Purchasing PUBLISHED

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Jane Long-Term Care

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Bill Hattendorf

Bill_Safety_Concerns

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Bill_Transportation_Issues

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Brandy Enger

Brandy_Proactive

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Brandy_Why

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Dan Wolfgram

Dan_Buying_Relationship PUBLISHED

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Dan_Claims_Process

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Dan_Group_Programs

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Dan_Philosophy

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Dan_RRI_Promise

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Dan_Variety_Of_Markets

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Don Levings

Don_Disability_For_Professionals PUBLISHED

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Don_Disability_Group_vs_Individual PUBLISHED

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Don_Disability_Policy PUBLISHED

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Don_Other_Aspects_Disability PUBLISHED

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Don_Professional_Coverage PUBLISHED

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Don_Retirement_Income PUBLISHED

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Don_Review_Coverage DUPLICATE TOPIC

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Don_Tax_Issues PUBLISHED

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Jay Zahn

Jay_Need_Bonding PUBLISHED

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Jay_CPA_vs_Gen_Tax_Acct PUBLISHED

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Jay_Re-evaluate_Bonding

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Jay_Relationship_with_Bonding_Agent PUBLISHED

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John Brengosz

John_Common_Mistakes PUBLISHED

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John_1st_Common_Mistake PUBLISHED

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John_2nd_Common_Mistake PUBLISHED

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John_3rd_Common_Mistake PUBLISHED

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John_Age_Of_Building

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John_Distracted_Driving_Policy

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John_Driver_Selection

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John_Driver_Training

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John_Electrical_Systems

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John_Housekeeping

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John_OSHA_Requirements

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John_Special_Hazards

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John_Sprinkler_Protection

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Mike Geldreich

Mike_Adv_Occupation_Medical_Facility PUBLISHED

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Mike_Report_Claim_Within_24hrs

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Mike_Structured_Return_to_Work PUBLISHED

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Mike_Maximize_Claims_Management_Process PUBLISHED

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Mike_Claim_Management_Services

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Nancy McMurry

Nancy_Claim_Reserve

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Nancy_Clients_Concerned_About_MOD PUBLISHED

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Nancy_Employee_Light_Duty

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Nancy_Experience_MOD

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Nancy_Eyes_of_Underwriter

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Tracy Bonin

Tracy_knowledge_broker

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[video src="http://myknowledgecenter.com/video/Jane_Shevey/Jane_Long-Term_Care_Benefits.mp4" width="480" height="272"; poster="http://myknowledgecenter.com/video/skins/RRI_Video_logo.jpg"]

Spring is full of reminders: turn your clocks ahead, replace the batteries in your smoke detectors and file your submission for the Wisconsin Contractors Premium Adjustment Program credit (WCPAP). The attached document offers information on how to submit your payroll data to the Wisconsin Compensation Rating Bureau for consideration. The due date to submit your information varies by your policy's effective date. Please see the FAQ section of the WCRB website to determine when your information is due. For contractors who have policies renewing in summer, your submission is due very soon.

Don't hesitate to contact your agent if you have questions about this process, or if you would like information about your past credit(s).

Lice in schools is an issue every fall. Read what experts say about prevention and solving the lice problem. This article from Chicago Tribune on October 12, 2011, lists some solutions.

In adition to treating head lice and eggs on a child's hair and scalp, parents should treat objects that may harbor the small parasitic bugs. The Illinois Department of Public Health recommends:

• Exposing lice and nits to temperatures above 125 degrees Fahrenheit for 10 minutes is lethal. Most personal articles of clothing and bedding can be disinfested by machine washing in hot water or machine drying for at least 20 minutes using the hot cycle. Be sure to allow time between loads for water to reheat to the proper temperature.

• Place nonwashable personal articles of clothing or bedding in the dryer on high heat for at least 20 minutes, dry clean, or seal nonwashable fabrics in a plastic bag for a minimum of 10 days.

• Place combs and brushes in a pan of water and heat on a stove to about 150 degrees Fahrenheit for 10 minutes. If heating may damage combs or brushes, soak them for one hour in a phenol solution, such as Lysol. To prevent the spread of head lice, do not share combs, brushes, hats, coats, towels or other articles that come in contact with the head, neck and shoulders.

• Thoroughly vacuum or clean car seats, bus seats, and individual infant and car seats according to manufacturer's directions.

• Fumigating rooms and using insecticidal sprays on furniture and carpets are not recommended to kill head lice; thorough vacuuming of houses and rooms inhabited by infested persons is sufficient

1. 32 successful years!. R&R began in 1976 with a mission to provide the best coverage and pricing available for our clients. We're still here!
2. We have markets! We have access to a huge volume of standard markets, specialty programs, and non-admitted carriers.
3. We are an independent insurance broker with a single owner! We have freedom to place your coverage with the program that best serves your needs. We work for you!
4. We are staffed with seasoned specialists! We have invested in experienced professionals who have underwritten the exposures presented and understand the products available in the marketplace.
5. Carriers seek our business! We are routinely approached by insurance companies offering new products and enhancements for our customer base.
6. We can negotiate specific coverage and pricing on behalf of our clients when necessary.
7. We can assist you in the application process, coverage interpretations, and risk management education.
8. We offer a full line of insurance products including person, business, management, specialty, excess, life, health, and employee benefit coverages to round out your insurance portfolio.
9. We have grown to five locations in Wisconsin, making access to our services local and efficient for all of our customers.
10. We have established a stable relationship with thousands of customers, including over 100 law firm with a retention of over 98%. We must be doing something right!

This information represents a joint effort by NETS, NHTSA and OSHA to reduce motor vehicle-related deaths and injuries in the nation's workforce.

Every 12 minutes someone dies in a motor vehicle crash, every 10 seconds an injury occurs and every 5 seconds a crash occurs. Many of these incidents occur during the workday or during the commute to and from work. Employers bear the cost for injuries that occur both on and off the job. Whether you manage a fleet of vehicles, oversee a mobile sales force or simply employ commuters, by implementing a driver safety program in the workplace you can greatly reduce the risks faced by your employees and their families while protecting your company's bottom line.

Motor vehicle crashes are a leading cause of death and injury for all ages. Crashes on and off the job have far-reaching financial and psychological effects on employees, their coworkers and families, and their employers.

You need a driver safety program:
To save lives and to reduce the risk of life-altering injuries within your workforce.
To protect your organization's human and financial resources.
To guard against potential company and personal liabilities associated witd crashes involving employees driving on company business.
Your program should work to keep the driver and those with whom he/she shares the road safe. And, if necessary, the program must work to change driver attitudes, improve behavior, and increase skills to build a “be safe” culture. By instructing your employees in basic safe driving practices and then rewarding safety-conscious behavior, you can help your employees and their families avoid tragedy.

Employees are an employer's most valuable assets. Workplace driver safety programs not only make good business sense but also are a good employee relations tool, demonstrating that employers care about their employees.

This booklet outlines ten steps for building a driver safety program in your workplace. These steps will be useful to any organization regardless of size of the organization, type of traffic encountered, number of vehicles involved, or whether employees drive company or personal vehicles for work purposes. Also included are real-life examples of successful safety programs, key traffic safety issues to address in the workplace, instructions for calculating your organiza-tion's loss from motor vehicle crashes, and a list of resources to help you fine-tune your program.

Promoting Safe Driving Practices Helps Your Bottom Line

Motor vehicle crashes cost employers $60 billion annually in medical care, legal expenses, property damage, and lost productivity. They drive up the cost of benefits such as workers' compensation, Social Security, and private health and disability insurance. In addition, they increase the company overhead involved in administering these programs.

The average crash costs an employer $16,500. When a worker has an on-the-job crash that results in an injury, the cost to their employer is $74,000. Costs can exceed $500,000 when a fatality is involved. Off-the-job crashes are costly to employers as well.1

The real tragedy is that these crashes are largely preventable. Recognizing the opportunity that employers have to save lives, a growing number of employers have established traffic safety programs in their companies. No organization can afford to ignore a major problem that has such a serious impact on both their personnel and the company budget.

Calculate Your Costs for Motor Vehicle Crashes

To understand the impact of motor vehicle crashes on your organization, use the Costs of Traffic Crashes to Employers Worksheet, found at the end of this booklet, to calculate the cost of your crashes. You may want to initially select one recent crash to illustrate the magnitude and complexity of such losses. Once you master the worksheet for one crash, you can then apply it to all the crashes experienced in a chosen time frame (e.g., annually) within your organization to characterize your crash loss profile.

Once you know the costs associated with motor vehicle crash-es you will realize that the costs associated with implementing a driver safety program are minimal compared to the costs of crashes to your organization. Examples abound of the positive return-on-investment (ROI) realized by companies – small, medium, and large – that have implemented well-designed safe-ty programs for the benefit of their employees. In fact, the Liberty Mutual Insurance Company reported in 2001 that, based on its Executive Survey of Workplace Safety, 61 percent of surveyed business executives believe their companies receive an ROI of $3.00 or more for every $1.00 they spent on improving workplace safety.2

Depending on the size of your organization, you may have access to all of the data that you need. Or you may need to work with your human resource manager, safety manager, workers' compensation representative, accountants, and med-ical and motor vehicle insurance representatives to obtain the numbers you'll need.

Costs of Motor Vehicle Crashes to Employers Worksheet
Use the worksheet found at the end of this booklet to estimate the cost of a motor vehicle crash to your organization. The costs included on the worksheet will be estimates based upon the records, receipts and recall of those involved with the crash. It may be helpful to consult copies of accident reports, police reports, damage receipts, insurance claim records and payroll records. It is often very difficult to identify all costs associated with these crashes, so use the best information you have available. If your company incurred expenses not listed on the worksheet, be sure to include them.

This document is not a standard or regulation, and it creates no new legal obligations. Likewise, it cannot and does not diminish any obligations established by Federal or state statute, rule, or standard. The document is advisory in nature, informational in content, and is intended to assist employers in providing a safe and healthful workplace. The Occupational Safety and Health Act requires employers to comply with hazard-specific safety and health standards. In addition, pursuant to Section 5(a)(1), the General Duty Clause of the Act, employers must provide their employees with a workplace free from recognized hazards likely to cause death or serious physical harm. Employers can be cited for violating the General Duty Clause if there is a recognized hazard and they do not take reasonable steps to prevent or abate the hazard.