Imagine getting hurt on the job and then having to sue your employer to prove they were at fault for your workplace injury. That’s how it was in the early 1900s. Back then, workers had to go to court if they wanted to claim their injury was the result of an unsafe work environment. Labor… Read more »
The first few months on the job can be hazardous to your health. That’s true for a lot of industries and, sure enough, was proven once more in a recent Pinnacol Assurance analysis of occupational injury trends in the cannabis industry. Pinnacol found that 38% of all injuries in the cannabis business occurred in the… Read more »
Aviation companies, oil field trucking firms and casinos are among the employers that could see nice-sized drops in their workers’ compensation rates in 2019. Insurers have yet to come out with their own figures, but the Colorado Division of Insurance has approved a reduction of an average of 16.7 percent for the “loss costs” and… Read more »
The Challenge: “Football is a game of inches and inches make the champion.” That’s something the great Vince Lombardi used to say and it’s a point with parallels in the workers’ compensation world. To be clear, we’re talking about your experience modification rate, or EMR, a topic that we’ve addressed here in the past but… Read more »
The investigations, finger-pointing and lawsuits arising from the deaths of two construction workers in a scaffolding collapse near Disney World this summer could easily drag on for years. Beyond the immediate horror, if you’re in the construction business, hearing the news from Orlando might have evoked a sense of relief that nothing like that has… Read more »
Let’s say you live in Denver and your nanny quits suddenly and files a lawsuit for sexual harassment after your husband purportedly made inappropriate comments to her when they were alone in the house together. Or perhaps your husband is unhappy with the gardener. You fire him (the gardener, not your husband), and he responds… Read more »
THE CHALLENGE: When it comes to workers’ compensation premiums, a company’s experience modification rate, or EMR, is everything. No one wants an e-mod higher than 1.00. An e-mod, as a refresher, is a ratio that expresses actual to expected losses that occur over a (typically) three-year period. In this case, our client – a taxicab… Read more »
Construction companies, especially smaller ones, hate when it happens, but many large projects and government contracts require them to have an experience modification rate, or EMR, of no more than 1.00. The thinking is that a rating above 1.00 would somehow involve a safety risk, and that the lower the EMR, the safer a company’s… Read more »
Active shooter incidents are unpredictable and evolve quickly. CCIG’s Active Shooter Response Guide can help your organization prepare for and respond to an active shooting. Fill out the form below to download a copy of our guide.