Whether you are a risk taker or risk-averse, a comprehensive risk management strategy is a competitive advantage. It can protect your business from the risks that threaten to undermine what you have built. We help you understand the total cost of risk — going beyond insurance and taking into account the impact of assumed risk and uninsured losses, along with administrative costs and other factors.
Our decades of experience providing insurance brokerage, consultation and risk management services, combined with our in-depth knowledge of your business, work together to deliver effective risk management solutions that promote growth while improving profitability, so you can focus on running your business.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence through:
Predictably, COVID-19 has made up a growing share of workers’ compensation claims, while other claims have dropped because of remote work, layoffs and shutdowns. In Minnesota, for example, the Department of Labor and Industry (DLI) reported that, since Minnesota work comp laws were amended to make it easier for designated frontline employees to file a COVID-19-related claim:
The civil unrest that has since quieted over the winter has the potential to flare again as the trial of Derek Chauvin for the murder of George Floyd is set to begin Monday, March 8, 2021. City leaders in Minneapolis have been urging business owners to take precautions ahead of the trial. Businesses with the proper insurance policies in effect most likely have some type of protection in place. But statistics show us that only roughly half of businesses are covered by these policies, putting themselves at significant risk, especially those businesses that are more prone to being subjected to civil unrest. Most small and medium employers (those with up to 100 employees), should have businessowner policies (“BOPs”) that cover property, liability, and business income protection when the business is closed due to damages.
It’s that time of year again when employers subject to OSHA’s recordkeeping rule are required to post a signed copy of their Form 300A in a location accessible to employees by February 1. Despite this annual obligation, many employers continue to make common recordkeeping mistakes, some of which potentially affect OSHA compliance. With the deadline looming, we’re reviewing Form 300A and related aspects of the recordkeeping rule to help you avoid some of the most common mistakes.
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