What are Loss Runs and How to Get Them - Workers Comp 101 Every business has a documented history of its insurance claims, known as loss runs. These reports are crucial for insurance providers to assess a company's risk profile and determine appropriate coverage and...
As record-setting heat waves stretch across the US and the globe, it is impossible to ignore the impact on millions of workers. Many at risk of heat injury work in professions that already present higher hazards—such as agribusiness and construction. Not only can high...
It’s nearly impossible for a worker to pick produce that grows on the ground, such as strawberries, without stooping or squatting. Consider the repetitive nature of the motions required to pick numerous berries in an hour, day, and week and it can quite literally...
Crane accidents have the potential to become massive and tragic events, not just for the construction workers on a job site, but for members of the community in the vicinity of the crane. Just last month, a Michigan man lost his life when a crane overturned on a job....
With wildfires becoming more frequent in more regions of the US, the health hazards of working outdoors in smoky air is at issue for hundreds of thousands of workers—not just those fighting the fires—and workers don’t have to be that close to the fire to be affected....
It’s late one night as you sit at your desk catching up on work. You don’t mind. There’s a full moon, and you have a cup of coffee to keep you company. But, out of the corner of your eye, you think you see something odd in a stack of papers on your desk. You...
Even with a steady stream of new standards and regulations in both worker and work equipment safety, agriculture is still one of the most dangerous industries in the U.S. Some of the highest severity injuries can be blamed on riding farm equipment—tractors, ATVs,...
By Emilio Figueroa, Chief Insurance Officer, Foresight As Foresight recently highlighted right here on our blog, Arborists and Tree Care Professionals are busier than ever, and “busy season” is now 365-day-a-year event. A mentality of “work hard and fast” is common....
One of your client's employees sustained an injury on the job and is going to miss three months of work as she recovers and rehabilitates. You can tell your client is very concerned about her well-being, the morale of her teammates, and how her absence impacts their...
Every broker wants to provide clients with accurate coverage at a premium that doesn’t break the bank. Usually, your job is to find the insurer with a risk appetite that matches your client’s history and help your client work towards a future with lower claims. One...
Texas is famous for being the only state where private-sector employers can opt-out of workers compensation coverage. Yet, as insurance professionals, you know that the workers compensation landscape in Texas is so much more complicated than that simplistic narrative....
You’ve finalized the deal and are preparing to onboard your new client. Payroll books and past payroll audits are on their way to your inbox. But will they be enough to provide you with a deep understanding of your client’s employment landscape? Let’s walk...