Why Your Business May Need Pollution Coverage

| posted in Blog

Almost all businesses have some risk of being sued or cited for pollution, even the most benign, such as a property owner. Pollution exposures for many businesses are obvious – like dry cleaners from the chemicals they use, to printing companies from the ink they use. And any manufacturer would face some type of pollution exposure as well, in addition to warehouse operators and contractors. Think you’re not exposed? Say you own a business property, even an office building for example, you could have pollution exposure such as: The existence of lead (paint and pipes or asbestos). Releases by tenants…
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Employers Protest Proposed First Aid Claims Rules

| posted in Blog

California employers are protesting a part of the Workers’ Compensation Insurance Rating Bureau’s 2017 rate filing dealing with first aid claims, asking the insurance commissioner to delay adoption. Businesses say the proposed reporting provisions are unclear and inappropriate in light of impending changes that will exempt the first $250 of every claim from the experience rating calculation. Many employers simply do not report first aid claims in order to keep their experience modifier down, even though the Rating Bureau requires them to do so. Beginning in 2017, frequency will become a major part of the formula for calculating X-Mods. Under…
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