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INSIGHTS

INSIGHTS

Could You be Subject to DOT Regulations and Not Know It? (Part 3) Hazardous Substances and Placarding; Select Agents and Toxins

This update addresses the confusion around hauling select agents and toxins and the two groupings of substances that you should be aware of.

Stephen Glazier

Alcohol at Company Events: Risk Management Guidelines

When it comes to alcohol at your company sponsored event, you need clear guidelines for how to mitigate your risk as your company celebrates.

The Problem with Storage Tanks: What you Need to Know to Own or Operate

The goal of this article is to provide you with the information you absolutely need to know if you (or your organization) own a storage tank.

How to Build a Better Property Insurance Program in a Tough Market

Over the past seven months, we've seen a hardening in the property insurance market, meaning that rates are increasing. Read more for background on the changing market, how technology can help insureds, and other strategies for achieving better results in a hard market.

Design-Build Contracting: Avoiding Unintended Liability for Design

Dan McLennon discusses the trends of heightened standard of care when designing a building, and how you can set expectations, mind the gap, and mitigate risk.

Disruption in the Property Market: What Years of Catastrophe Mean to You

The disruptions caused by catastrophe can have major impact on business capacity, rates, limits and sublimits, cyber perils, and deductibles. Learn the best strategies for minimizing the damage to your business.

Raiding SAIF Surplus: Not in Oregon’s Best Interest

Oregon's Governor and state legislature are exploring ways to reduce the deficit through two proposals, either of which could negatively impact businesses. Learn more about House Bill 3022 and the implications that will follow if the state decides to confiscate the loss reserves, otherwise known as "surplus," from SAIF.

Could You be Subject to DOT Regulations and Not Know It? (Part 2): Passengers and Payment Type

The FMCSA considers you an operator of a commercial motor vehicle when you operate a vehicle designed to transport more than eight passengers (including the driver) for compensation, or more than 15 passengers (including the driver) for compensation. This means that DOT regulations apply.

Annual OSHA Update: Changes to Electronic Reporting and More

Cal/OSHA announced on February 6 that an advisory committee will convene on May 9 to evaluate electronic submission rules in response to what it sees as a "substantial diminish[ment]" of the federal OSHA rule. The committee hopes to determine how to best "protect the goals" originally sought by the Improve Tracking of Workplace Injuries and Illnesses rule.

New California Rule on Restricted Stock Units Could Increase Your Workers’ Comp Premiums

Budgeting for workers' compensation premium can be challenging for fast-growing employers. If payroll increases significantly over the course of the particular policy term, the annual payroll and premium audit conducted post-expiration could result in a large additional premium bill. Grants of stock shares (otherwise known as Restricted Stock Units or RSUs) can contribute to unplanned increases in the payroll totals, which can create a significant additional cost in the final workers' compensation premium calculation.

Mitigating or Preventing Water Damage

Water’s capacity to inflict severe and costly damage looms large over all construction projects. Whether it’s caused by Mother Nature or human error, water damage presents a ubiquitous threat.… More

Celebration Season: Mitigating Risk at Your Company Parties

It’s that time of year for company parties and gatherings. Yet, for employers, the fun comes with a great amount of responsibility and worry.… More

How Arson Attacks Are Impacting The Habitational Insurance Market

It’s not just labor and materials costs that are rising! With the recent spate of arson attacks in the United States, insurance companies in the frame habitational space have been heavily impacted and are changing their appetite for these placements.… More