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Is One Massive Claim to Blame? What is the Real Result of My Sky-High EMOD?

By |2025-02-03T19:57:46+00:00February 3rd, 2025|Blog, Construction, Trending|

Many have been there staring at a workers’ compensation insurance proposal, overwhelmed by a premium so steep it feels like a punishment. The explanation seems simple: one big, catastrophic claim has thrown your experience modification factor (EMOD) into chaos, leaving you with an astronomical bill.

Understanding Workers’ Compensation in Educational Institutions

By |2025-02-03T16:58:28+00:00January 31st, 2025|Blog, Education|

Workers’ compensation is a vital component of employee benefits for educational institutions. It provides coverage for workplace injuries or illnesses, ensuring that employees receive the medical care and support they need while protecting schools from costly lawsuits. For administrators, understanding how workers’ compensation works and tailoring it to the unique environment of schools is essential for maintaining a safe and supportive workplace.

Winter Weather Oil and Gas Safety Tips

By |2025-02-03T20:08:30+00:00January 30th, 2025|Blog, Energy|

To prevent injuries and illness as a result of winter weather, it’s important to learn about the causes, symptoms, and safety considerations to take so you are prepared to handle winter’s worst. According to the Occupational Safety and Health Administration (OSHA), there is no exact temperature at which the environment becomes hazardous. Instead, factors such as low temperatures, wind speed, and wetness contribute to cold-induced injuries and illness.

Cyber Case Study: Hack at Steel Mill Causes Physical Damage

By |2025-02-03T20:09:03+00:00January 29th, 2025|Blog, Risk Management, Trending|

 In late 2014, the German Federal Office for Information Security (BSI) released a report detailing a disruptive cyber attack at an unnamed steel mill facility. The attack—which was deployed through a combination of social engineering tactics and malware— compromised several of the steel mill’s industrial control components. From there, equipment breakdowns and production outages ensued, resulting in extensive property destruction.

New Year, New Goals: The Benefits of a Safe Patient Handling Program

By |2025-02-03T20:14:55+00:00January 27th, 2025|Blog, Commercial Insurance, Healthcare, Safety Tips|

Because of age or incapacitation due to illness or injury, patients in health care settings often need help performing normal daily tasks like sitting up or walking. Helping patients with these tasks requires significant physical demands, putting employees in danger of musculoskeletal disorders (MSDs).

Imminent Dangers on the Job Site – Reducing Your Risk of Injury at Work

By |2025-01-22T20:33:04+00:00January 22nd, 2025|Blog, Construction, Trending|

An imminent danger is a workplace hazard that puts you at an immediate risk of death or serious physical harm. It may be a safety hazard, such as an unstable trench or an exposed electrical wire, or it may be a health hazard, such as toxic substances, dangerous fumes, dusts or gases. These dangers could cause irreversible physical harm, death or reduced physical or mental performance.

Monitoring to Prevent Patterns of Violations

By |2025-01-22T20:57:19+00:00January 19th, 2025|Blog, Energy|

To prevent injuries and illness as a result of winter weather, it’s important to learn about the causes, symptoms, and safety considerations to take so you are prepared to handle winter’s worst. According to the Occupational Safety and Health Administration (OSHA), there is no exact temperature at which the environment becomes hazardous. Instead, factors such as low temperatures, wind speed, and wetness contribute to cold-induced injuries and illness.

Preparing for Freezes: Protecting Your School During Cold Weather

By |2025-01-17T19:05:47+00:00January 17th, 2025|Blog, Education, News|

Preventing Frozen Pipes in Schools is essential to maintaining a safe and operational learning environment during cold weather. Frozen and burst pipes can cause costly damage, disrupt daily activities, and compromise the safety of students and staff. By taking proactive steps, schools can effectively mitigate these risks and ensure their facilities are prepared for freezing temperatures.

Winter Driving Tips for Truckers

By |2025-01-17T21:16:46+00:00January 15th, 2025|Blog, Risk Management, Safety Tips, Trending|

One of the joys of the trucking business is the ability to travel across the country and experience the beauty of different roads from coast to coast. However, this also means you must prepare for various types of driving conditions.

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