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An Employer’s Guide to COVID-19 Vaccines

By Insurance, Workers Compensation

As the COVID-19 vaccine continues to become more available across the country, employers should learn what this means for their employees returning to work. Because this is such a sensitive subject, we wanted to make sure that we accurately provided all of the pertinent information for you. The attached article, published by AmTrust Financial, touches on guidelines from the U.S. Equal Employment Opportunity Commission (EEOC), as well as the steps employers should take as their workplaces continue to open. This article was written in part by industry experts, Littler Mendelson, P.C.; a law firm that handles labor and employment litigation….

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Work Comp Wednesdays – How to Calculate the Impact of Workplace Incidents on Profitability

By Business Insurance, Insurance, 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. Background: It is no secret that workplace injuries and illnesses can leave a nasty impact on an employer’s bottom line. While most employers understand there are costs associated with each injury, many employers are not aware that their workers’ compensation carrier will not assume all of these costs. In any workplace incident, there…

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Today’s Underwriter-Driven Hard Market Report (and What We Can Do About It)

By Business Insurance, Insurance, Personal Insurance

Prepared by our friends at Beyond Insurance Global Network To our valued customers: As a trusted advisor to your organization, we felt it was appropriate to provide you with a state of the insurance industry 2021 report. We are in what is defined as a hardening market. We last saw this market cycle in the early 2000s. Some describe this cycle as an Underwriter-Driven Hard Market. In the following report, we have outlined why we are in this market, and what you can expect moving forward in 2021 and beyond. We hope that you find this information valuable. What are…

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Work Comp Wednesdays – OSHA Recordkeeping Compliance: When to Record COVID-19 Cases

By Business Insurance, Insurance, 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. This article is written by our friends at EmergeApps: Background: Many employers are required to keep an ongoing record of work-related injuries and illnesses known as an “OSHA 300 log.” While it is often apparent whether an injury is work-related, the nature of COVID-19 can make it difficult to determine whether an infection…

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Nonprofit Insurance – What is a Management Liability Policy

By Business Insurance, Insurance

Whether they are protecting the environment, feeding the hungry, or even funding critical research projects, Nonprofit Organizations aim to assist their communities in any way possible. Because these Nonprofits are working with such unique risks, it is imperative that they have the correct insurance coverages in place. Unfortunately, it is possible for one large claim to lead to end of these organizations. Because of that, we want to ensure that your Nonprofit has all the necessary insurance policies. Below you will find the types of insurance that Nonprofits should consider: General Liability Commercial Property Professional Liability Automobile Directors and Officers…

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Work Comp Wednesdays – The North Carolina 1.50 Ex Mod Rule: How to Navigate the Safety and Health Programs and Committees Act

By Insurance, Insurance People of North Carolina, Workers Compensation

  Work Comp Wednesdays – The North Carolina 1.50 Ex Mod Rule: How to Navigate the Safety and Health Programs and Committees Act 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. Background: The Ex Mod (Experience Modification Rating) in Workers’ Compensation insurance has the ability to cripple an organization that has issues actively mitigating their workplace injuries. Few people understand the…

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Work Comp Wednesdays – March 2nd OSHA Recordkeeping Requirement

By Insurance, 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.     This article is from our friends at EmergeApps: 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…

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Consider Safety Before Taking Your Restaurant Outdoors

By Business Insurance, Insurance

Restaurants across the country are taking the necessary steps to ensure that their businesses remain operational during the winter. Because so many restaurants are unable to support indoor-dining, procedures have been put in place to provide outdoor-dining to their customers. Whether it is a plastic-pod or a tent, outdoor-dining options provide these businessowners a chance to serve their customers while limiting exposure to Covid-19. However, these outdoor-dining solutions are not free of liability concerns. These outdoor structures are valuable in the sense that they provide restaurants an opportunity to serve their patrons; however, there are procedures that should be followed…

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Work Comp Wednesdays – How to Make Workers’ Comp Employee Friendly

By Insurance, Workers Compensation

This article is from our friends at the Institute of WorkComp Professionals: Both in the media and in general conversation, we often hear people refer to the workers’ compensation laws in various states as being very “employee friendly” because they feel that it’s easy for injured employees to get more than they “deserve” from the workers’ comp system. This may be true; as certainly there is little or no question that there are laws in some states that are more business friendly as opposed to employee friendly. But employers would do well to ignore this debate because in reality when…

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How to Protect Vacant Commercial Buildings

By Business Insurance, Insurance

Now, more than ever, commercial buildings are being left vacant because businesses are working remotely. Although the vacancy may be temporary, commercial property owners should still take the time to ensure that their vacant building is protected. These buildings face a variety of risks, including: Crime, Water, Fire, Pests, and Contamination. Whether businesses are closing for the holidays or due to Covid-19, there are eight steps property owners can take to secure their vacant commercial building. Below, you will find those eight steps: Secure the Building – alarm system, security cameras, motion-activated lights, etc. Tell the Local Authorities – Let…

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