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..
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..
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..
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..
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?
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..
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:
Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee..