Evaluating the Impact of Pennsylvania Workers’ Compensation Rates

On January 1, The Pennsylvania Insurance Department approved a new workers compensation rate filing which reduced rates an average of 10%. This unusual mid-year rate change was the result of two independent circumstances. The first was an erroneous company report that was filed as part of the November 2017 loss cost calculation. The second was … Continued

Pennsylvania Employers: Newly-Enacted Act 111 Is Intended To Be a Compromise After the Fall-Out of the Protz Decision and Resulting Workers’ Comp Rating Changes.

In June and July of 2017, Henderson Brothers reported on the impact that the Pennsylvania Supreme Court’s decision in Protz v. W.C.A.B. (Derry Area School District), 161 A.3d 827 (Pa. 2017) (“Protz”) would have on workers’ compensation insurance. After about 16 months of fall-out from Protz, on October 24, 2018, Governor Wolf signed House Bill … Continued

Workers’ Compensation FAQs in Pennsylvania

Statistics show that when workers’ compensation claims are reported in a timely manner, there is a better outcome for both the injured worker and the employer. The Pennsylvania Workers’ Compensation Act has several strict timeline limitations that if not adhered to could result in a denial of benefits to an employee or penalties for the … Continued

Expert Update: Can I Add Personal Vehicles to My Business Policy?

Can I add my personal vehicle to my business policy?” “I need to add a driver – my 16-year-old son just passed his driver test.” One of the most common questions I receive on a regular basis, across all types of businesses, involves covering personal auto exposures on commercial auto policies. Before making this decision, … Continued

Expert Update: When OSHA Knocks

When a safety program is in force and everything is in place, it is sometimes easy to think that we are in the clear. What happens when a severe injury occurs? Was it an amputation or loss of an eye? Was the employee admitted to the hospital or were they just there for observation? Does … Continued

Expert Update: Am I A Good Bonding Risk?

What are Surety Bonds? Although bonds are typically handled by insurance agencies, their application and underwriting are unrelated to the insurance process, and will feel much different to someone obtaining a bond for the first time. A surety bond is a written agreement in which an independent party (the Surety) guarantees a second party’s performance … Continued

Compliance Alert: Upcoming 2018 CVSA Roadside Blitz on Hours of Service Logs

During the first week of June (specifically June 5th, 6th, and 7th), the Commercial Vehicle Safety Alliance (CVSA) in conjunction with local jurisdiction will be conducting a focused blitz on Hours-Of-Service (HOS) compliance. According to the CVSA, 32% of drivers were placed out of service during last year’s three day blitz for HOS violations. Compliance … Continued

Expert Update: Signing a Master Service Agreement

In the energy sector, the steel-toed boots of a sub-contractor can’t set foot on a jobsite without signing a Master Service Agreement (MSA). What are these exactly? A MSA is when two parties agree to a contract that will settle most details and expectations for both parties for future agreements.  The idea is that a … Continued

Expert Update: Risk Management Tools for Temp and Leased Employees

The economic challenges of the 21st century are forcing many employers to use alternative strategies with employment practices.  Using temporary or leased employees gives employers flexibility in staffing for changing demands; outsourcing the recruiting process to third parties also limits exposure to wrongful employment practices. Unfortunately, most employers utilizing this resource stop one step short … Continued

Insureds with Marijuana Operations Must Be Mindful of Illegal Acts Exclusions

Recreational and medical marijuana use laws have been enacted in many states.  Much has been written regarding the conflict between these state statutes, which permit marijuana operations, versus federal law, which considers such operations illegal.  Businesses and other organizations have had to educate themselves on how these marijuana laws affect their employment practices, transportation rules, … Continued