As Risks Rise, You Need a Commercial Umbrella

Posted on: August 23rd, 2022 by Leaders' Choice Staff No Comments

As a responsible business owner, you no doubt make sure that you are properly insured for any liabilities resulting from damage to other parties. But, imagine the following scenarios: What if a visitor trips and falls at your business, breaking a leg and is unable to work for a few months while they recover? What […]

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EEOC: Employee COVID Testing Must Be ‘Business Necessity’

Posted on: August 18th, 2022 by Leaders' Choice Staff No Comments

With COVID-19 cases spreading fast throughout the country in what experts say is the biggest surge since the pandemic started, employers who regularly test their workers may have to change their policies. The Equal Employment Opportunity Commission in July 2022 issued new guidance for when employers can test their workers in order to comply with […]

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New Premium Threshold Set for X-Mod Qualification

Posted on: August 17th, 2022 by Leaders' Choice Staff No Comments

Employers whose annual premiums exceed $9,200 in annual premiums need to start paying closer attention to their workers’ compensation policies and safety practices. Under California’s workers’ compensation system rules, starting Sept. 1, if your firm’s premiums exceed this new threshold, it will be issued what’s known as an “X-Mod,” a numerical of your claims history. […]

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Cal/OSHA Requires Employers to Protect Workers from Wildfire Smoke

Posted on: August 10th, 2022 by Leaders' Choice Staff No Comments

Cal/OSHA has issued a reminder to employers that they are required to protect their outdoor workers from unhealthy air due to wildfire smoke. Cal/OSHA’s Protection from Wildfire Smoke emergency regulation put in place in August 2019 was made permanent in February 2021. For the safety of your workers and to comply with the regulation, it’s […]

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Commissioner Rejects Proposed Hike in Benchmark Rate

Posted on: August 5th, 2022 by Leaders' Choice Staff No Comments

For the third year in a row, California Insurance Commissioner Ricardo Lara has rejected the Workers’ Compensation Insurance Rating Bureau’s proposal for a workers’ compensation rate increase, and has ordered instead that benchmark rates remain the same. Lara rejected the WCIRB’s proposal that benchmark rates increase 7.6% for policies incepting on or after Sept. 1, […]

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Construction Firm Tips for Avoiding Insurance Disasters

Posted on: July 26th, 2022 by Leaders' Choice Staff No Comments

When you’re in the construction industry you already have lots to worry about: Keeping your workers safe in one of the most dangerous industries, uninsured or underinsured subcontractors, and finding experienced employees from a shrinking pool of talent. Not only that, but lawsuits lurk in any project, exposing you to serious losses that can threaten […]

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State Supreme Court to Weigh In on ‘Take-Home’ COVID Case

Posted on: July 19th, 2022 by Leaders' Choice Staff No Comments

The California State Supreme Court will take up a case to decide whether an employer can be sued for liability when a worker contracts COVID-19 at work and then passes it on to a family member. The 9th U.S. District Court of Appeal asked that state’s high court clarify if California’s Workers’ Compensation Act bars […]

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Employers Upset About Three Bills

Posted on: July 12th, 2022 by Leaders' Choice Staff No Comments

There are three measures progressing in the state Capitol that businesses should keep an eye on as they could have profound effects for them. The measures passed their houses of origin by the legislative deadline of May 27 and will now be heard in the other house. The bills, if they become law, will affect […]

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Supreme Court Deals Blow to California Private Attorneys General Act

Posted on: July 7th, 2022 by Leaders' Choice Staff No Comments

The United States Supreme Court has put a significant dent in California’s Private Attorneys General Act, which in recent years has resulted in a surge in legal actions against California employers by their workers. The law has been a huge thorn in the side of employers, who have been on the receiving end of litigation […]

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New Employees Account for Large Share of Workplace Injuries

Posted on: June 28th, 2022 by Leaders' Choice Staff No Comments

A significant share of overall workplace injuries occur during new employees’ first year on the job, according to a recent study. The report by Travelers Cos., Inc. found that over a five-year period, injuries to new employees accounted for 35% of all workplace injuries. These injuries resulted in more than 6 million lost workdays, accounting […]

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