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

Expert Tips: Are You Prepared for a Product Recall?

Your organic vegetable snack bar has been selling like crazy. I’m talking hockey stick growth year after year. It is a top retailer seller nationwide and it was picked by two magazines as their favorite food product of the year. Your business has grown from a promising startup to become one of the nation’s premier brands in the health food … Continued

Expert Tips: Revitalizing a Safety Plan with Communication

As mentioned in Cutting Costs: by Adding Safety to Your Strategic Initiatives, Mt. Macrina Manor reversed skyrocketing insurance costs by revitalizing a complete team approach to keeping employees safe and healthy. The Challenge When faced with the challenge of changing a culture in an organization of 100 or more employees, an all hands on deck … Continued

Pennsylvania Employers: Potential Changes to Your Workers’ Compensation Program

What You Need to Know On June 20, 2017, the Pennsylvania Supreme Court held that the Impairment Rating Evaluation (IRE) process was unconstitutional because the General Assembly is not permitted to delegate its authority to issue impairment rating guidelines to a non-legislative body, or in the Protz case, the American Medical Association (AMA).  See Protz … Continued