Teach Your Driving Staff to Be Defensive Drivers

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

When you have driving employees, you have to ensure they drive safely not only to avoid an accident and injuring themselves, but also injuring other drivers or pedestrians. While your workers’ compensation insurance will cover an employee’s injuries, your commercial auto insurance would have to cover any claims for third party injuries. An accident can […]

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Inflation, Jury Awards Continue Driving Insurance Premiums

Posted on: September 20th, 2022 by Leaders' Choice Staff No Comments

Inflation is not just affecting the cost of food and fuel. It’s also spilled over to the price of almost every industrial item, as well as building materials and services. Anybody running a business, particularly one that carries inventories or has to invest in machinery or electronics, has seen prices increase on top of wage […]

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Trucking Firms Have Difficult Choices in Wake of AB 5 Decision

Posted on: September 13th, 2022 by Leaders' Choice Staff No Comments

The U.S. Supreme Court’s decision to not hear an appeal of the sweeping California independent contractor law known as AB 5 is likely to cause serious personnel headaches for motor carriers in the Golden State. While the law is already in effect, there had been an injunction exempting trucking companies after the California Trucking Association […]

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Significant Changes to Construction Dual-Wage Classifications

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

As inflation drives up salaries in all sectors, the workers’ compensation wage thresholds for construction dual class codes in California have increased as of Sept. 1, 2022. State Insurance Commissioner Ricardo Lara in July approved the recommendation by the Workers’ Compensation Insurance Rating Bureau to increase the wage thresholds for high-wage workers. The new rates […]

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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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