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Workers Comp Reform Bill- SB 863
On September 18, 2012, Governor Jerry Brown signed SB 863. The lawbecame effective January 1, 2013 and enacts sweeping changes to the California Workers’ Compensation System. SB863 is intended to increase benefits to injured workers (permanent disability) and reduce costs for California employers. While it is too soon to determine if premiums will be reduced […]
CAL OSHA’S Reduction of TICF Assessment for Non-Profits
The CAL/OSHA Targeted Inspection and Consultation Fund (TICF) is part of the workers’ compensation insurance reform legislation that mandates an assessment when an employers’ ExMOD is over 125% The TICF assessment is processed annually as long as your ExMod is over 125%. The assessment is calculated based on your annual payroll. Once you ExMod drops […]
Back to Basics – Unpaid Interns
Many of our clients ask about unpaid interns. Assuming that your non profit organization is operating an internship program, there are some areas of insurance coverage that need to be considered. 1. Make sure that unpaid interns are insured for professional liability coverage if they providing a professional, educational or technical service to your organization. 2. Unpaid […]
Back to Basics– Employment Practices Liability Wage and Hour
Wage-and-hour lawsuits are becoming a major concern for employers. Many factors have led to an increase in wage-and-hour claims including the complexity of federal and state laws as well as workers laid off due to the continued poor economy. According to the Department of Labor there were 40,000 wage-and-hour complaints during 2010, a 15% […]
Back to Basics – Special Events
Special Events and Fund Raising sometimes involve activities outside thescope of an organization’s operations. Therefore,it is important to evaluate the costs associated with a special event in order to identify problems and then manage them appropriately and efficiently Developing a comprehensive safety checklist can help in planning your event or fundraiser. Part of this checklist […]
Back to Basics: Cyber Liability Coverage
Cyber Liability policies are relatively new and not as regulated as more traditional insurance policies. Not all Cyber Liability policies are created equal and policies can vary significantly from carrier to carrier. Further, there may be some overlap between various insurance coverages. Therefore, the following are some items to consider when reviewing Cyber Liability Coverage: […]