Insurance providers that offer workers’ compensation are taking a wide variety of actions in order to move towards profitability in this highly-regulated market.  Financial results improved last year for workers’ compensation providers, but they continue to lose money in the market.  According to the state agency that evaluates the results for workers’ compensation insurance, the “combined ratio” (expenses and claims to premium received) for workers’ compensation insurance in California for 2013 was 122 -- for every dollar of premium the insurance industry took in in, it paid out $1.22.  This is better than 2012 when the combined ratio was 141.


Greg Nelson

As farmers look for ways to increase productivity and maximize worker performance, many companies have added night shifts to their operations.  Although working at night enables companies to harvest and process more produce, night shifts can also have negative consequences: they expose more workers to injuries and accidents while also making it more difficult to work in limited lighting. 

Greg Nelson

During the Emmett J. Vaughan Agribusiness Conference in Sacramento this week, attendees were informed that the Terrorism Risk Insurance Act (TRIA) is expiring at the end of 2014. Many at the conference were not aware that TRIA was set to expire this year.   If not renewed by Congress, TRIA’s absence could create higher costs for policyholders and leave many without coverage for terrorist acts.


Greg Nelson



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