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Straight From The Source Blog


Three keys to reducing your workers’ compensation claim frequency

May 04 , 2016

Strategies to reduce workers' comp claims

When your workers’ compensation insurance carrier is calculating your premiums, one of the biggest factors they look at is your experience modification rating. That’s the rating the National Council on Compensation Insurance (NCCI) calculates by comparing your claims history to other companies in your industry, and by comparing your actual losses with expected losses.

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Tags: Business Insurance


Should your business have terrorism insurance?

April 25 , 2016

Terrorism Insurance

The terrorist attacks of September 11, 2001, were a game changer for businesses in the U.S. In a few tragic moments, it became clear that our businesses are just as vulnerable to man-made disasters as they are to natural disasters. Those attacks resulted in an estimated $40 billion in insured losses.

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Tags: Business Insurance


Avoid employment practices liability with legal background checks

April 07 , 2016

Employment Practices Liability

One of the biggest challenges you face as an employer is finding and keeping great employees. In fact, the ability to attract and retain talent can be the deciding factor in whether you reach your business goals or fall short of your company vision.

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Tags: Business Insurance


Business interruption insurance: A lifeline to recovery

March 28 , 2016

Business interruption insurance

It’s a nightmare scenario for any business owner. Mother Nature cooks up a monster hailstorm, tornado or wildfire and puts your business squarely in the path of destruction. If you’re lucky, you’ll come through unscathed or with minor damage so you can patch up and move on.

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Tags: Business Insurance


Does your insurance carrier make the grade?

March 09 , 2016

Carrier Ratings

As a business owner, you carry the burden of responsibility to protect your company’s assets and keep the business financially sound. That takes a smart, proactive risk management strategy, including the right insurance coverage.

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Tags: Business Insurance, Employee Benefits


Drugs at work: Evolving employment practices liability for employers

February 25 , 2016

Drugs at work

Drug use in the workplace is nothing new to employers. It’s a problem that touches virtually every industry, and employers have long been aware of the possible consequences, including:

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Tags: Business Insurance


Beyond 360 degrees of cyber risk: Growing small business threats

February 17 , 2016

Cyber crime risk

When you first started your small business, did you ever imagine that a criminal sitting at a computer in a foreign country on the other side of the planet could be a threat to your livelihood? Or that your printer could provide a cyber thief with access to your private data? Probably not. And yet these threats are now a grim reality for business owners.

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Tags: Risk Management, Business Insurance


Crime insurance: Why you need it, how to choose wisely

January 20 , 2016

Business crime insurance

Crime against your business is one of the most traumatic, potentially costly, even heartbreaking risks you face. And it happens every day, to businesses of every size – a trusted employee betrays that trust by stealing property or embezzling money, a cyber thief steals sensitive customer and employee data, or a burglar breaks in and steals valuable equipment.

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Tags: Risk Management, Business Insurance


Is your safety committee a cost cutter or a time drain?

December 10 , 2015

Building an effective safety committee

According to OSHA estimates, U.S. employers spend nearly a billion dollars every week in direct workers’ compensation costs alone. That’s just for starters. Indirect costs add even more to the bill – training replacement employees, investigating accidents, implementing corrective measures, repairing damaged equipment, and dealing with the costs associated with lost productivity, lower employee morale, and higher absenteeism.

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Tags: Risk Management, Business Insurance


Seven opportunities to cut your construction insurance costs

November 23 , 2015

Cutting construction insurance costs

The construction industry has been hit pretty hard in recent years. Material and building costs continue to go through the roof, labor costs are up, workers’ compensation and medical costs are up, and lawsuits are on the rise. So you’re constantly under pressure to find new ways to reduce costs, not only for the sake of immediate profits, but to remain a viable competitor in the marketplace.

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Tags: Business Insurance


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