Blog - Insurance People of North Carolina

Jan 04

3 Tips to Decrease Workers’ Compensation Costs

By Mitch Kaufmann Business Insurance, Workers Compensation

In a slowing economy, employers are looking for opportunities to cut costs. A frequently overlooked method to save money is reviewing the organization’s insurance program, which many employers view as a fixed cost. While premiums for most business insurance coverages are static, workers’ compensation premiums can vary and present a lucrative opportunity to conserve cash. Below are three tips to decrease workers’ compensation costs in your organization: Implement a comprehensive safety program: One of the most effective ways to decrease workers’ compensation costs is to prevent accidents and injuries from occurring in the first place. Developing and implementing a comprehensive…

Dec 20

School Safety Pays: Insurance People and Utica National Insurance Announce Dividends for Charter School Safety Program

By Insurance People of North Carolina Business Insurance, Specialty Insurance

Insurance People is proud to announce that Utica National Insurance Group has declared a dividend for the Charter School Safety Program. As a result of low claims in 2021, Utica has issued a historic 10% dividend for charter school participants. Members of Utica’s dividend program are committed to keeping schools safe. Insurance People partners with Utica for this very reason – they provide unmatched resources to ensure their schools are leaders in risk management and safety practices. Each year Insurance People adds new schools to the Safety Group. We welcome any introductions and hope to help more schools stay safe…

Dec 01

Help Your Home Stand Up to Winter

By Mitch Kaufmann Personal Insurance

For North Carolina residents, it is about the time of year to start planning for the cold months ahead. According to Weather Spark, the cool season in North Carolina lasts for three months from November 30th to February 28th. In Raleigh, the average low for the cold season is 33 degrees Fahrenheit, which is close to the freezing point of water. These low temperatures can lead to freezing pipes and snowfall, so it is important to take steps to ensure your home is well prepared for winter weather. Please continue reading for some great tips on how to help your…

May 04

Work Comp Wednesdays – Stop Hiring Claims: Benefits of Screening New Hires

By Mitch Kaufmann Business Insurance, Insurance People of North Carolina, Workers Compensation

Welcome to Work Comp Wednesdays! Insurance People is the industry-leader in North Carolina workers’ compensation insurance. Each week, our team takes a frequently asked question and expands on the issue for our clients, prospective clients, and community members to better understand the confusing nature of Work Comp. Stop Hiring Claims Hiring employees is one of the hardest tasks for any businessowner – especially with today’s labor shortage. Employees not only ensure your business can function, but they dictate company culture and future growth. Unfortunately, not everyone that applies has the physical or mental qualifications necessary to perform the job….

Apr 27

Start Your Flood Insurance 30-Day Wait Period Just in Time for Hurricane Season

By Insurance People of North Carolina Business Insurance, Insurance People of North Carolina, Personal Insurance

June 1st is the official start of hurricane season for states along the Atlantic coast – and it could be catastrophic. Scientists at Colorado State University issued a prediction that there will be at least 19 named storms. Of those 19 named storms, nine will be hurricanes – four of which will be Category 3 or higher. Typically, an average hurricane season has around 14 named storms, seven hurricanes and three major hurricanes. In 2021, hurricane season produced 21 named storms, including seven hurricanes of which four were Category 3 or higher. Last year’s season was the sixth consecutive…

Mar 10

The Business Owner’s Conundrum: How Buying Workers’ Comp Insurance Relates to Buying Gasoline in A Seller’s Market

By Insurance People of North Carolina Business Insurance, Insurance People of North Carolina, Workers Compensation

Buying workers’ compensation insurance is a lot like purchasing gas for your vehicle. Your company is a car with an empty tank and insurance carriers are gas stations looking to win your business. Gas stations (insurance carriers) are homogeneous – the only real differences between them are their logos and the fuel costs. Gas stations understand that price is the main reason someone would choose to fill up at their pump rather than the pump across the street. Yes, a handful of individuals might choose them for other reasons; clean bathrooms, good snack selection or even lottery winning success. However,…

Mar 03

Breathing Space

By Insurance People of North Carolina Business Insurance, Specialty Insurance

Our friends at Builders Mutual provided us with several valuable pieces of information on the dangers of Carbon Monoxide (CO) poisoning and how it can be an over-looked job-site threat. Below, you will find the information from Builders Mutual: “Much of the work done on construction sites is outdoors, from pouring foundations and driveways to exterior framing and roofing. But at some point, the work (and the workers) move inside and into enclosed spaces, often providing relief from heat, cold, and bad weather. But bringing gas-powered equipment indoors can shift that breath of relief to a breathing danger. Carbon monoxide…

Feb 09

9 Most Common OSHA 300A Summary Mistakes

By Insurance People of North Carolina Business Insurance, Insurance People of North Carolina, Workers Compensation

This blog is from our friends at EmergeApps Employers are required to post the OSHA 300A summary from February to April of each year to maintain OSHA recordkeeping compliance. This is an essential responsibility for employers – but can also be a confusing one. Here are the 9 most common employer mistakes regarding the 300A posting: Failure to post when there are zero incidents Employers are required to post the Form 300A Summary even if there were no recordable injuries and illnesses. If there are no incidents, simply enter zeroes for the column totals. Not posting the right data…

Feb 07

March 2nd, 2022: Electronic Submission of Injury and Illness Records to OSHA

By Insurance People of North Carolina Business Insurance, Insurance, Workers Compensation

OSHA Recordkeeping Background: Each year, millions of workers get hurt on the job. In order to help prevent work-related injuries and illnesses, OSHA has for decades required employers to keep track of these incidents by recording them in what is often called an “OSHA log.” OSHA now requires employers to electronically submit that data directly to OSHA for its review, in addition to keeping the OSHA 300, 300A and 301 Forms. On May 12, 2016, Federal OSHA passed new regulations requiring employers to electronically submit injury data directly to OSHA: Establishments with 20 or more employees from selected industries…

Nov 29

Covid-19 OSHA Vaccine and Testing Mandate

By Insurance People of North Carolina Business Insurance, Insurance

“On November 4, OSHA issued its COVID-19 Vaccine and Testing Emergency Temporary Standard (ETS) requiring private sector businesses with 100 or more employees to mandate vaccination or weekly testing. On November 16, AmTrust presented a webinar, OSHA COVID-19 Vaccine and Testing Mandate: What Private Sector Businesses Need to Know, with AmTrust’s Kelley Barnett, VP Corporate Counsel-Labor and Employment and OSHA 30 Certified, and Woody Dwyer, Director of Loss Control at AmTrust.” – AmTrust Financial In this blog, we follow along with the information that was provided to us by our friends at AmTrust Financial. As previously mentioned, the webinar on…

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