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Saving Money On Work Comp Through Lag Time

How would you like to save money on your workers compensation premium and not have to do much work to do so? Sound too good to be true? One of the best ways to save money, and a motto I have preached for years, is this: Eliminate any lag time between when your employee is injured and when you..

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Preparing for Severe Weather Events: What to do Before, During, and After

Spring weather is unpredictable and with that comes the possibility of severe weather. Being prepared for weather events is not difficult, but it does require some thought in advance and timely preparation. Now that most of us are confined to our homes, the timing is right to improve our..

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Claims-Made vs. Claims-Made and Reported

More often than not (and some would argue rightfully so) my peers and I focus on explaining the difference between an occurrence and a claims-made policy due to how the coverage triggers drastically affect whether coverage is afforded or not; exhibit A: Claims-Made vs. Occurrence Coverage..

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Mental Stress Claims

As an employer, you must realize that not all injuries are from a physical or occupational injury.  Mental stress injuries also occur and may be found to be compensable. Wisconsin is one of the few states that recognizes that mental injuries can be presented as worker’s compensation claims as..

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3 Best Practices to Save Money on Worker’s Compensation Claims

I just celebrated another anniversary of working in the insurance industry. (I won’t tell you the year I started, but a clue is that President Ronald Reagan was still in office!) My first job with an insurance company was right out of college where I was trained and consequently gained my first..

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Violence in the Workplace

Category: Claims

Did you know that April is Workplace Violence Awareness Month?  According to OSHA (Occupational Safety & Health Administration), workers who can be at risk for violence include:

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The Do's and Don'ts of a Hail Damage Claim

Category: Claims

Hail can be one of the biggest hazards associated with severe thunderstorms.  It can be small and relatively harmless, or it can grow to larger than the size of a golf ball and cause extensive damage to your property.    From 2010 through 2016, an average of 6339 reports of large hail were..

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Are Traveling Employees Covered by Workers Compensation?

As a claims counselor, I get a lot of questions about employees who are required to travel for their jobs.  Is my employee covered when he flies to San Diego for business?  What if he takes a side visit as a tourist and is injured?  Where exactly is the line drawn for traveling employees?

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Violence in the Workplace - My Story

Growing up in the Midwest, I always felt secure and never thought about horrible things that could go wrong outside of my home.  I began my career in insurance working for Wausau Insurance Companies and was a multiple line claims adjuster in the areas of the Upper Peninsula of Michigan and..

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10 Ways to Save Money on Your Worker’s Compensation Premium

There are many ways claims can affect an employer's experience mod and worker's compensation premium. Here are my top 10 tips for keeping costs to a minimum:

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