How Drained Will a Pipe Burst Leave You?

The Henderson Brothers’ Claims Department assists adjusters to make sure the correct cause of loss is determined to engage the proper coverage for our client. In a recent case of a property water loss, the initial indication from the adjuster pointed to a backup of a sewer line for which there was limited coverage. The … Continued

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

Your Commercial General Liability Policy, Liquor Liability Exclusion, and Evolving Exposure as an Event Host or Manager: What You Need to Know

Historically, as a venue destination, your exposure to losses related to the selling, serving, or furnishing of alcoholic beverages was marginal. You could operate day-to-day as a VFW, fire hall, church, museum, or art gallery, host events where alcohol is involved, and rely on a standard form commercial general liability insurance policy to help protect … 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

Industry Insight: The Mechanics of the Product Recall Claim Process

Despite recall frequency and the potential for extraordinary costs, most companies don’t adequately plan, prepare, practice for or buy insurance against product recall events. In addition to proper insurance coverage, careful planning is essential in managing the risk of a recall. Costs from a product recall can easily cascade into the millions. In addition to … Continued

Expert Tips: Cut Costs by Adding Safety to Your Strategic Initiatives

Where does the safety and well-being fit into a company’s goals and strategic initiatives? We often hear of companies promoting wellness to assist employees in pursuing healthier lifestyle goals. Step programs and healthy eating coaching are two example programs prevalent today in the workplace; employers assist employees in making healthy choices and gain, too, through … Continued

Pennsylvania’s Medical Marijuana Act: What You Need to Know

Pennsylvania’s Medical Marijuana Act (MMA or the Act), 35 Pa. C.S.A §10231.101, et seq., became effective May 17, 2016. The MMA introduces a new industry to Pennsylvania and establishes rules and procedures for how that industry is intended to operate, from growers to patients. Potential Impact For starters, federal law impacts how employers will comply … 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