The risk that hand, wrist and finger injuries pose in health care settings is unique because it is associated with another, more serious risk: that of infection with diseases like Hepatitis B and C or HIV. Even injuries that do not result in infection bear the psychological trauma of waiting for definitive test results.
In recent years, active assailant incidents have become a growing concern across the United States. Most recently at an elementary school in Uvalde, Texas, a doctor’s office at Saint Francis in Tulsa, Oklahoma, and at a 4th of July Parade in Highland Park, Illinois.
Woligo partners with INSURICA to provide business insurance for self-employed workers and small business owners.
Equipment losses are on the rise and this affects most contractors directly or indirectly. Specifically, Inland Marine carriers are reporting upticks in losses of mobile equipment each year. Items such as skid steers, mini excavators, trailers, hand tools and GPS systems have become prime targets for thieves. In addition, equipment losses from fire have seen a substantial increase in total claim dollars.
As warmer weather continues, the smell of grilled food fills the air. According to the National Fire Protection Association, nearly 9,000 home fires involve grills each year.
Vehicles are one of the most popular targets for criminals because they are relatively easy to steal. Don’t be the next victim of vehicle theft. Car theft rates spiked in 2020, according to data released by the FBI. Research indicates 810,400 vehicles were stolen in 2020, compared with 721,885 vehicles stolen in 2019.
Substance misuse among employees has increased, which has been made easier because addictions are easier to conceal in remote and hybrid work situations. The situation was already a serious problem, but human resource professionals have found that substance use, misuse and abuse have increased significantly since the pandemic. In 2014, according to a National Survey on Drug Use and Health, 55.1% of the US population with substance-use disorders held full-time jobs. Due to the pandemic, however, this figure has likely risen significantly.
The COVID-19 pandemic has forced many workers to adapt their schedules and work styles to accommodate new childcare and eldercare responsibilities. With offices reopening, many working caregivers are wondering how to best manage their time and commitments. While a hybrid work model — a combination of in-office and remote work — may offer the best of both worlds, employers need to consider the unique needs of caregivers when crafting their policies.
Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to correctly describe benefit plans and eligibility rules to employees. EBL insurance covers a wide range of plans, including health, dental and life insurance, profit-sharing plans, workers’ compensation and employee stock plans. EBL insurance is typically sold as a standalone policy.
Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to correctly describe benefit plans and eligibility rules to employees. EBL insurance covers a wide range of plans, including health, dental and life insurance, profit-sharing plans, workers’ compensation and employee stock plans. EBL insurance is typically sold as a standalone policy.
