Insurance Insights

When it comes to getting collision repair work on your vehicle, finding the right body shop is an important step. You don’t want to overpay, but you also don’t want subpar work. With so many options out there, making a decision can be stressful. But if you do a little research, you can be sure your car is in the right hands.

It is a well-established fact that the use of a cellphone while driving presents a distraction that greatly increases the chance for an accident. This has led a growing number of states to implement laws that prohibit drivers from the “hands on” use of a cell phone while operating a vehicle. Unfortunately, what too many people fail to take into consideration is how distracting cell phones and other electronic devices can be in the workplace.

Retaining adequate insurance protection is vital for financial security. However, nobody wants to pay more for home insurance than they have to. As the cost of premiums continues to trend upwards in 2024, it’s important to take advantage of opportunities to save on coverage.

An efficient and effective return-to-work (RTW) program can significantly reduce workers’ compensation costs for employers while improving the lives of employees by getting them back on the job following a work-related absence due to injury, illness or chronic disease.

The first step to any digging project is pretty simple – know what’s buried underground! This applies to contractors, road maintenance crews, telephone pole installers, fence builders, landscapers and even homeowners. In fact, anyone breaking ground should fully understand the safe digging tips outlined in this blog.

The term “one size fits all” has no place in the world of safety gloves. When it comes to sizing up the right glove – one that will allow you to work both safely and efficiently – you must take several considerations into account. The idea is to balance the amount of protection needed with the glove’s characteristics to determine the best option for the task at hand.

Decades ago, it was not uncommon for a business to pay directly – rather than report – their company’s small claims. The thought was to avoid having those claims count against the experience modification factor (the “mod”). For Workers’ Comp insurance, medical-only claims are an important element in the experience modification rating process, and in many states these claims are reduced by 70% for the mod calculation. This reduction is known as the experience rating adjustment (ERA).

Completing an auto insurance application is a fairly simple process. However, it’s still important to take your time and avoid making mistakes. Even the simplest error can lead to increased premiums, policy cancellations or insufficient coverage.