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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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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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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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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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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Cost of Commercial Property Insurance Surges Thanks to Inflation, Climate Change

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

As climate change continues to create more turbulent weather and natural catastrophes, commercial property insurance rates are still climbing — and the recent surge in inflation is adding fuel to the cost of coverage. While overall commercial property rates increased about 10% on average in 2021, rates surged between 25% and 40% in areas prone […]

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