Insurance Services

There are many steps an employer can take to reduce its workers compensation premium costs.  For example, safety training educates workers avoid potential accidents and injuries. Worksite inspections help identify hazardous conditions that need to be corrected. There are other actions that a business can undertake that will also significantly decrease premium costs

Jeff Janas

A recent workers’ comp case in Texas highlights the fact that employers can be held accountable for the action or inaction of their subcontractors. The case involves a temporary roof worker who requested the use of a safety harness. The subcontractor failed to provide the worker with the harness and he subsequently fell through the roof breaking several bones and suffering multiple contusions. OSHA fined the employer $362,500 for seven safety violations, including one willful and four willful egregious violations. The subcontractor was also fined for failing to conduct regular safety inspec

Jeff Janas

A recent workers’ comp case in Texas highlights the fact that employers can be held accountable for the action or inaction of their subcontractors. The case involves a temporary roof worker who requested the use of a safety harness. The subcontractor failed to provide the worker with the harness and he subsequently fell through the roof breaking several bones and suffering multiple contusions. OSHA fined the employer $362,500 for seven safety violations, including one willful and four willful egregious violations. The subcontractor was also fined for failing to conduct regular safety inspec

Jeff Janas

A recent decision by a United States District Court for the Southern District of New York confirms that undocumented workers are entitled to the same benefits as regular citizens under fair labor and New York Labor laws. The decision applies to a variety of work situations, including coverage under workers’ compensation laws and the Affordable Care Act (ACA). Under the ruling, the fact that the worker may not be legally working in this country does not affect the benefits or protections available to those who are working legally. 

Jeff Janas

In a 6-3 opinion, (Chief Justice Roberts, Kennedy, Ginsburg, Breyer, Sotomayor, and Kagan) with Chief Justice John Roberts writing for the Court, the U.S. Supreme Court in King v. Burwell held that subsidies are available at the Federal health insurance exchanges. Individuals who get health insurance through Federal health insurance exchanges remain eligible for tax subsidies. 

A study by the National Council of Compensation Insurance (NCCI) confirms what experienced workers’ compensation experts have been saying for years -- delayed reporting of workers’ comp claims will cost you. Specifically, the report said that the late reporting of claims: 1) costs employers more in dollars, increasing the loss ratio of business entities, 2) increases their experience modifications, and 3) ultimately has a negative effect on workers compensation premiums, regardless of the insuring company.  

Greg Nelson

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