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Fully Insured vs Captive vs High Deductible: An Honest Comparison

We hear it all the time from business owners: "We are paying too much for insurance. There's gotta be a better way." 

And our industry responds: "Have you heard about captives?"

Too often, insurance brokers confuse the financial instrument with the strategy. 

The reality is that these tools alone will not solve the problem of high insurance costs. To clear the air, though, we thought we'd share the pros and cons of 3 insurance products, each with different levels of risk ownership: full insurance, captives, and high deductibles.

Topics: Leadership / Strategy

OSHA Inspection Survival Guide

An OSHA inspector arrives at your door, unannounced, and wants to conduct an inspection of your workplace. What do you do?

Topics: Safety / Compliance

The financial cost of poor employee benefits communication

Only 50% of employees understand their employee benefits1. And with the price of healthcare services varying by up to 1,000%2 depending on when and where you receive your care, poor communication is costing employers big bucks.

Topics: HR / Employee Benefits

5 takeaways from SHRM's 2017 benefits report

SHRM recently released their 2017 Employee Benefits Survey that examines the prevalence of benefits over the past five years. It tracks trends and helps employers understand the benefits landscape while also providing insight into what other companies are doing with their benefits program. We've pulled out the top statistics employers should pay attention to.

Topics: HR / Employee Benefits

The Most Dangerous Driving Season Starts Now

July through October is the deadliest period of the year on the road. Summer months result in more cars on the road - and this increase in traffic is dangerous (especially for trucking companies). 

 

Coming Soon: Gen Z in the Workplace

Roughly 1 in 3 American workers are Millennials. So what's next?

The next wave of employees is Gen Z. In fact, currently there are 23 million Gen Z-ers already in the working world. So what are the characteristics of Gen Z?

New OSHA Recordkeeping Process

After many roll backs and talks of elimination, OSHA’s Injury Tracking Application (ITA) website is now live. As many of you remember, this is the first year that we will have to directly submit the information off of our OSHA 300a, 300, 301 logs directly to OSHA via the ITA. The current deadline to submit is December 1st, 2017.

Topics: Safety / Compliance

3 "Old School" Training Videos to Celebrate National Forklift-Safety Day

In honor of National Forklift Safety Day, we've pulled together three 1990s-era safety training videos. What these videos lack in acting quality they more than make up for in practical safety advice.

HNI Announces 7 New Principals

Last week HNI announced the addition of seven new principals – increasing the total number of owners to 22. Although these folks have been long-time employees of HNI, tenure wasn’t what earned them an invitation into the ownership circle.

10 Things Truck Drivers Do That Get Them Pulled Over

In my experience as a state patrol sergeant, the following are driving behaviors or situations that “stood out” from the norm.  Not every violation mentioned below necessarily results in a citation but it will, at a minimum, result in a warning and a reason for a traffic stop. As we are aware, many of the violation warnings will be evaluated in FMCSA’s safety measurement systems.