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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.

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.

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.

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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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Change Healthcare Cyberattack Causes Disruptions

By |2025-01-17T19:54:16+00:00January 12th, 2025|Blog, Healthcare, Trending|

On Feb. 21, 2024, Change Healthcare, a subsidiary of UnitedHealth Group (UHG) and one of the largest platforms for managing health insurance billing and payments in the United States, experienced a large-scale cyberattack. This attack forced the company to shut down over 100 services across its system for multiple weeks, affecting millions of health care providers and patients across the country.

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OSHA Announces Top 10 Violations for 2024

By |2024-12-03T20:40:45+00:00December 3rd, 2024|Blog, Risk Management, Trending|

OSHA recently revealed its top 10 most frequently cited standards in the 2024 fiscal year using preliminary data. This information is valuable for businesses of all kinds, as it helps them identify common exposures that affect their workforce and gives them the information they need to plan their compliance programs.

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Most Common Vehicle and Driver Violations Leading to Out-of-Service Orders in 2024 Fiscal Year

By |2025-01-06T22:48:02+00:00December 2nd, 2024|Blog, Risk Management, Trending|

To help drivers of commercial motor vehicles (CMVs) remain safe and keep trucking businesses in compliance with the Federal Motor Carrier Safety Regulations and Hazardous Materials Regulations, the Federal Motor Carrier Safety Administration records the number of violations discovered through roadside inspections conducted by Motor Carrier Safety Assistance Program inspectors.

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Working Safely in Cold Weather

By |2025-01-06T22:48:47+00:00December 1st, 2024|Blog, Risk Management, Trending|

Workers exposed to cold conditions are at risk of hypothermia, frostbite, dehydration and muscle injuries. To prevent injuries and illness while working in winter weather, it’s crucial to understand safety considerations related to cold exposure.

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Avoiding Winter Slips and Falls

By |2024-12-03T22:29:59+00:00November 29th, 2024|Blog, Risk Management, Trending|

Winter months present additional hazards that employees like you typically don’t encounter during warmer weather. Specifically, you may risk experiencing major slips or falls amid snowy and icy conditions, which could lead to serious injuries.Consider the following recommendations to prevent slip and fall incidents this winter:

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The Role of Coinsurance and Sublimits in Cyber Insurance

By |2024-12-03T22:37:57+00:00November 28th, 2024|Blog, Risk Management, Trending|

Cybercriminals increasingly use sophisticated methods to infiltrate businesses’ computer systems and networks, putting sensitive data and personally identifiable information at risk. With cyberthreats evolving in scope and complexity, businesses of all sizes and industries face potentially devastating financial and reputational damages.

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