April 25, 2019
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- quick-fix credit program
- ransom payment
- ransomware
- ransomware attacks construction
- ransomware insurance
- rate fatigue
- Ready.gov flood guidelines
- Real estate security
- real-time safety monitoring.
- real-time security alerts.
- reclassification compliance requirements
- reclassification employers and group health plan
- recordkeeping and reporting rule
- reducing driver distractions
- reflective gear importance
- reform
- regulate pharmacy benefit managers
- regulatory compliance
- regulatory compliance insurance
- regulatory landscape
- regulatory monitoring
- regulatory oversight
- regulatory shifts
- regulatory standards
- reinsurance market
- reinsurance supply and demand
- report phishing
- required contribution percentage
- respiratory protection
- retail cyber security coverage
- retain employees
- Retirement
- return to work
- Return to work programs
- Ric Stoakes
- Risk Advisor
- risk advisors
- risk analysis
- Risk assessment
- Risk Consultant
- risk management
- risk management and consulting services
- risk management for roadside operations
- risk management for telecommunications
- risk management machanism
- risk managment
- risk mitigation for company vehicles
- risk mitigation technology
- Risk Reduction
- risk transer
- risk transfer
- risk transfer checklist
- road construction safety
- road safety fall
- roadside accident prevention
- roadside collision prevention
- roadside emergency protocols
- roadside equipment safety
- roadside hazards prevention
- roadside inspections
- roadside safety equipment
- roadside violence prevention
- roadside visibility solutions
- roadside worker injury prevention
- Roadside worker safety
- roadside worker training
- Roadway Safety
- roadway safety prevention
- Rob Burkett
- rural broadband
- Ryan Swinton
- safe driving policies
- safe driving practices for employees
- safe driving tips
- Safe harbor
- safely operate aerial lift devices
- safety
- safety accountability strategies
- safety and loss control
- Safety and Loss Control Consultant
- safety and profitability
- safety audit protocols
- Safety Awareness
- Safety Best Practices
- Safety Committee
- safety compliance best practices
- safety compliance resources
- safety consultant
- safety consultation
- safety consulting
- Safety Culture
- safety culture improvement
- safety culture in construction
- safety dashboards
- safety data analytics
- safety education
- Safety Engagement
- safety fitness determination
- safety fitness of motor carriers
- safety habit reinforcement
- Safety Innovation
- Safety Leadership
- safety leadership metrics
- safety management
- safety management systems
- safety management technology
- safety measurement system
- Safety metrics that matter
- safety observation techniques
- safety performance tracking
- safety practices
- safety professional guidance
- safety program development
- safety program updates
- safety recognition programs
- safety regulation compliance
- Safety regulations
- safety resources
- safety standards
- Safety training
- safety training effectiveness
- safety training implementation
- safety training resources
- safety violation penalties
- safety violations
- safety visibility children
- sample corporate driving policy
- Sasquatch
- scaffolding safety
- school crossing safety
- school transportation safety
- school zone safety
- scope of distracted driving
- Scot Blehm
- Sean Krueger
- Seasonal property
- Seasonal safety tips
- seasonal vehicle care
- Section 6055 reporting
- Section 6056 reporting
- Secure Login
- security best practices
- self-insured health plans
- severe storm preparation
- severe weather
- severe weather insurance coverage
- severe weather preparation
- severe weather preparedness
- severe winter conditions
- Shane Ideus
- shareholder directors
- shareholders
- sharing risk burden
- shifting potential liability
- shipping
- show employees they are valued
- sinkhole coverage
- sinkhole insurance claim
- sinkhole insurance coverage
- sinkhole warning signs
- site hazard control
- site inspections
- site-specific safety plan
- skidding
- skilled labor shortage
- slip and fall prevention
- Slips and falls prevention
- Slips Trips and Falls
- small business
- small business cyber
- small business cyber insurance
- small business cyber protection
- small business fiduciaries
- small business fiduciary insurance
- small business insurance
- small business safety compliance
- small-business owner cyber
- smart home devices
- SMART safety goals
- social engineering fraud coverage.
- social engineering insurance
- social inflation
- soft markets
- softening market
- software security updates
- solar-powered security cameras
- sparkler safety
- SPD installation
- specialty goods
- specialty medications
- split point
- spooky cyber threats
- Stacey Schafer
- state-level regulations
- Steve Robeson
- storm business interruptions
- storm damage documentation
- storm damage protection
- strategic leadership
- strategic partnership
- strong password practices
- subcontractor communication
- suicide rates construction workers
- supervisor safety training
- supply chain cyberattacks
- surge protection devices
- suspicious activity reporting
- Tags for this blog post: insurance market premium trends
- tags: Business Insurance
- tags: Cyber Liability
- tags: Management Liability
- tags: Voluntary Benefits
- tailored benefits offerings
- talent management and leadership
- TalkDown security features
- tax deductible
- tax exclusion
- Tax Liability
- tax policy
- Tax reform
- team achievement
- Team Collaboration
- team growth
- team integration
- technology
- technology errors and omissions
- technology shifts
- teen driver safety
- telecom
- telecom industry
- telecom insurance
- Telecommunications
- telecommunications division
- telecommunications equipment protection
- telecommunications industry
- telecommunications infrastructure protection
- telecommunications insurance
- telecommunications lighting
- telecommunications vehicle fleets
- telematics cost benefit
- telematics insurance
- telemedicine
- temperature impact on workplace safety
- temperature safety guidelines
- Temporary disability claims
- temporary walkways safety
- Terrorism Insurance
- texting while driving
- The Council of Insurance Agents & Brokers
- theft prevention measures
- third party liability cyber insurance
- third party litigation funding
- third-party property insurance
- threat analysis
- Tips for increasing employee participation in open enrollment
- TMT industry
- Tom Champoux
- Tom Greco
- Tony Rasmussen
- toolbox safety talks
- top 10 osha violations 2024
- top benefits consultants 2025
- top brokerage
- top insurance brokers 2025
- top insurance brokers nebraska
- tornado aftermath cleanup
- tornado damage claims process
- tornado damage insurance claims
- tornado emergency supplies
- tornado insurance coverage
- tornado insurance deductibles
- tornado preparation checklist
- tornado preparedness
- tornado preparedness guide
- tornado recovery assistance
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- tornado safe room
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- tornado safety for families
- tornado safety guide
- tornado season preparation
- tornado shelter at home
- tornado shelter options
- tornado shelter requirements
- tornado survival tips
- tornado warning signs
- tornado-proof home features
- tornado-resistant construction
- tow truck driver protection
- tower climbers
- tower service contractors
- tower site safety
- towing
- TPLF
- Tracy Alexander
- traditional health plans
- traffic safety for highway workers
- transfer risk
- transportation and parking benefits
- transportation industry safety
- transportation network security
- transportation safety
- travel risk policy
- trench safety
- Trench Safety Stand Down Week
- trenching
- trenching and excavation
- trends in E&O insurance
- TRIR measurement
- Truck Driver
- Truck Insurance
- truck telematics
- trucking cybersecurity
- Trucking Insurnace
- trust contractor
- trusted advisor
- Turner Construction mental health
- Two Factor Authentication
- UFG
- UL certified surge protectors
- umbrella coverage
- underinsured
- Understanding health insurance terms for open enrollment
- Underwriting
- UNICO
- UNICO advisors
- UNICO Group
- UNICO Group CEO
- UNICO Group insurance
- UNICO Group insurance solutions
- UNICO Group risk insights
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- UNICO Group workers' compensation
- UNICO growth
- UNICO HR
- UNICO HR Solutions
- UNICO insurance
- UNICO MIDLANDS
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- uninsured
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- United Fire Group
- UNITEL
- UNITEL Assocations
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- UNITEL insurance solutions
- updated property valuations
- US insurance brokers
- US labor statistics
- usage-based auto insurance
- User Authentication
- user education
- utility locates
- utility worker safety
- vacant building insurance
- Vacant home security
- Vacant property insurance
- value of employee benefits
- vandalism coverage
- Vandalism prevention
- vehicle safety checklist
- vehicle usage policy
- visual distraction
- Volunteer
- waiver of subrogration
- walking-working surfaces
- warehouse safety protocols
- warehousing cold weather risks
- water damage
- water damage protection
- water damage response plan
- water losses
- waterproofing homes
- Wayne State College
- ways to fight cyber attack
- weather alert systems
- Weather damage
- weather emergency planning
- weather hazard mitigation
- weather monitoring systems
- weather-related workplace hazards
- wellness
- wellness committee
- wellness program
- wellness programs
- What employees need to know about HDHPs
- what is the d-ratio
- when is contractual risk transfer used
- wind damage insurance
- winter driving
- winter driving kit
- winter driving precautions
- winter driving safety
- winter vehicle safety
- winter weather preparedness
- winter workplace hazards
- wireless jobsite cameras
- Wisconsin
- WISPA
- women in insurance
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- work comp
- work comp experts
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- workers compensation decreased
- workers compensation experts
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- workforce impacts
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- workplace accident prevention
- workplace benefits
- workplace driving regulations
- workplace driving safety rules
- workplace emergency
- workplace emergency evacuation plan
- Workplace fatalities
- workplace hazard abatement
- workplace hazard awareness.
- workplace hazard communication
- workplace hazard prevention
- Workplace hazards
- workplace housekeeping
- workplace incident prevention
- Workplace injury communication
- Workplace injury prevention
- workplace law
- workplace mental health
- Workplace regulations
- workplace risk
- workplace risk assessment
- workplace risk management
- workplace road safety management
- Workplace Safety
- workplace safety awareness
- workplace safety best practices
- workplace safety compliance
- workplace safety culture
- workplace safety evaluation
- workplace safety improvements
- workplace safety in extreme weather
- workplace safety incentives
- workplace safety management
- workplace safety measurement
- Workplace safety measures
- workplace safety resources
- workplace safety seasons
- workplace safety standards
- workplace safety statistics
- workplace security audit
- workplace stress management
- workplace vehicle accident prevention
- worksite benefits
- WTA
- zero damage
- zone approach protection
March 30, 2016
Employee handbooks are an essential part of effective human resources (HR) management and positive employee relations. Handbooks can also play a critical role in demonstrating employment law compliance. Properly used, employee handbooks: Communicate policies and procedures. Play a key role in the orientation process for new employees. Serve as a valuable employee relations vehicle for educating current and prospective employees. Contribute to uniform and consistent application, interpretation, and enforcement of company policies. Protect against claims of improper employer conduct and employee lawsuits. While carefully drafted employee handbooks can be an important part of employee relations media, handbooks that are unskillfully or improperly drafted can create organizational and legal headaches. Employers must carefully review every policy and procedure in a handbook to minimize potential contract claims and be prepared to update them periodically. Since employee handbooks are not required by law, organizations may determine the best method and most effective means to communicate important HR-related information to their employees. Factors that affect an organization’s need for a written […]
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January 20, 2016
Question: What is the benefit of investing in the creation of an employee handbook? Answer: A handbook sets expectations and general guidelines for employees to operate under, promotes treating employees with fair and consistent practices, outlines employee benefits, and helps defend unemployment claims and lawsuits. Providing a well-drafted and complete handbook permits management to operate efficiently in determining proper steps and actions to take with employees in handling a variety of topics from attendance, leave, performance concerns, and disciplinary action including terminations. When a company invests in the creation and distribution of a handbook, the company empowers the workforce to operate within the guidelines stated, setting rules and processes that define the how, why, and who to go to that will inevitably become a backdrop to defending any allegations of wrong doing when drafted and followed carefully. The return on investment (ROI) of the employee handbook is unmeasurable; it can provide support in the defense of a legal suit, minimize […]
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September 9, 2015
Question: What benefits must be continued while an employee is on Family and Medical Leave Act (FMLA) leave? What should we do with an employee who is not making his share of the copayments while out on leave? Answer: Family and Medical Leave Act (FMLA) regulations require that employers continue to provide group health benefits under the same terms and conditions as if the employee was actively at work. There is no requirement under the FMLA to continue other types of benefits offered by the employer. Whether or not an employee’s other benefits continue depend on an employer’s established policy. Any benefits that would be maintained if the employee was on another form of leave should be maintained while the employee is on FMLA leave. Part of the requirement to continue health insurance benefits “under the same terms” means that both the employer and employee must continue to pay their portions of the group health insurance premium, unless the employer […]
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November 5, 2014
Question: What benefits must be continued while an employee is on Family and Medical Leave Act (FMLA) leave? What should we do with an employee who is not making his share of the copayments while out on leave? Answer: Family and Medical Leave Act (FMLA) regulations require that employers continue to provide group health benefits under the same terms and conditions as if the employee was actively at work. There is no requirement under the FMLA to continue other types of benefits offered by the employer. Whether or not an employee’s other benefits continue depend on an employer’s established policy. Any benefits that would be maintained if the employee was on another form of leave should be maintained while the employee is on FMLA leave. Part of the requirement to continue health insurance benefits “under the same terms” means that both the employer and employee must continue to pay their portions of the group health insurance premium, unless the employer […]
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