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CALIFORNIA WORKERS COMPENSATION: New Variable Split Point

Businesses that are experience rated are now subject to California’s New Variable Split Point Experience Rating System.  This means that as their payroll and operation grows, as will their Primary Loss Threshold. 

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Nonprofits – The Added Exposure to High Workers Compensation Cost

Service and/or Mission Oriented Nonprofit Organizations have a unique exposure when it comes to injuries to workers (and volunteers) – they typically care too much.  

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Employment Practices Liability (EPLI) and 3rd Party ADA Claims

The precaution to protect against 3rd Party ADA claims is already available to most business owners, but is sadly not offered by their Agent and/or Broker.  Many EPLI policies can actually be endorsed to provide coverage for the business owner for these exact types of cases. 

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Why Do I Need Employment Practice Liability Insurance? EPLI By Grant Davis

As a business owner, we all strive to hire qualified employees to work for us.  Unfortunately, as you are well aware, not every hiring decision goes as planned. Even if an employee is a good employee and does a great job, or has to be terminated for a legitimate reason such as poor attendance or unsatisfactory work habits every termination opens the door for potential lawsuits.  The funny or not so funny thing such as in the example I am sharing with you the terminated "bad employee" wasn't the one that brought the suit.  It was the "good hard working employee"!   

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Agency Culture BEATS Strategy Every Time

Our staff now does more than they ever have and routinely surpass the plans we as ownership put forth and base our agency goals upon.  Now that our Culture is aligned with our Strategy, we’re in a winning mode!

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5 Crucial Construction Safety Measures

Hazardous conditions are a day-to-day reality for workers at many construction sites. To ensure safety on the job site, there are five crucial safety measures that every construction worker must follow:

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Do You “KNOW” Your Numbers

The importance of metrics is a universal NEED in our industry, however the importance of one metric relative to another can differ just as many times as the number of people you ask.

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Outsourcing & Delegating in an Insurance Agency

Outsourcing always seems to put a bad taste in people’s mouths.  They tend to think of shipping jobs overseas, workers then not being paid fair wages and the product being of sub-par quality.  The concerns of insurance agency owners are no different, however there are ways to outsource that enable the agency to maintain operational and quality control.

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Maintaining Your Insurance Company Relationships

Very few agents will say that they do not pay attention to their clients and companies, but in practice they either partially or completely neglect them on a regular basis.  

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The Competition - Do you stack up?

Many in the insurance industry complain that the competition is brutal, unfair, or that the larger and more established firms have all the advantages.  To these complainers I would argue that they need to stop complaining and increase your own competitive edge.  The more established firms have the advantages not because of their age, but because they built their organizations like a building – one brick at a time.  Their age is a benefit only in that they’ve had more time to build.

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