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One key way to manage your company’s experience rating is to keep medical-only claims from becoming lost time claims. Medical-only claims have the unique advantage in most states to have an experience rating adjustment (ERA) which reduces each loss by 70% for the purposes of the mod calculation.
That’s the advice from our risk advisory expert, Chad Tisonik. He created a short video to help you understand how to make an emergency plan before you have even had an emergency. If your employees are already trained on the procedures and solutions for each type of emergency, you have a much higher chance of bouncing back and keeping your business afloat.
New changes from the FMCSA could affect when carriers are audited and what happens as a result of those audits. We recently sat down with Don Jerrell to discuss how the changes will influence drivers and what carriers can do to prepare.
With a hard market on the way for the insurance industry, it’s more important now than ever to shore up your safety program (although developing a safety culture should always be a focus, no matter what the market conditions.) With market conditions growing continuously more difficult, a safety program can have a significant impact on your premium.
This is the first in a series of video safety tips by our resident safety expert Chad Tisonik that we'll be publishing to our blog. To learn more safety basics, check out our August 23rd HNI U webinar “Safety Basics for the Non-Safety Professional” and share with your team. [We only have 4 slots left, so sign up asap if you're interested!]
Most people tend to avoid anything with the word “compliance” in it, but compliance is an inescapable part of all areas in your business. Compliance management obligations used to be tasks that you could “check-off” once you achieved them, but the business world is not static anymore, and slips in compliance can mean big costs to your company. New legislation is continuing to change requirements in all areas of your business, which means that your compliance goal is like a moving target.
A favorite event for many companies is the annual company picnic. After a long winter and a year of hard work, taking a moment to celebrate is a great way to show employees how much you appreciate them. But have you stopped to consider the potential exposures that may arise from such an event?
Regulations for CMV drivers are changing, in particular with regards to medical cards. The changes affect various kinds of drivers differently. The rules remain the same as to which drivers need a federal medical certificate (Fed Med card) while operating a commercial vehicle, but drivers will now have to provide an up-to-date copy of this card to the DMV when they obtain it.
It’s no surprise that with the increase of technology in the workplace digital information is becoming increasingly relevant in the hiring process. The wide availability of information online can cut the time and cost of screening a prospective employee, but it also creates a new opportunity for discrimination (or allegations of it).
HNI works with high-performing companies to help them address the hidden risks in their business and avoid The Insurance Dependency Trap. This is done by proactively DE-RISKING their business so they can be less dependent on insurance.
HNI also offers the basic services of insurance and employee benefits. HNI has offices in Milwaukee, Chicago, and Minneapolis.