The Asero Insurance Blog

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    Commercial Rates Climb in Wake of Higher Claims Costs, Catastrophes

    There is a confluence of factors affecting insurance rates going into 2018 that are pushing premiums higher in a number of commercial lines policies, including auto, liability and property. Increasing claims costs in commercial auto are at the top of the list, largely due to a spike in distracted driving accidents, injuries, deaths and higher […]

  • Burnout is killing his career

    Are Sleepy Workers Damaging Your Business’s Health?

    In June 2014, a truck driver from Georgia drove 800 miles from his home to his Delaware workplace. Without stopping to rest, he then got behind the wheel of a Wal-Mart tractor trailer and headed north. He rear-ended a limousine bus on the New Jersey turnpike, starting a chain-reaction crash involving six vehicles and 21 […]

  • Christmas doggy

    How to Reduce Your Employees’ Stress During Holidays

    The holiday season can bring a combination of fun and excitement as well as stress and anxiety for your staff. While the majority of workers enjoy December as it brings more cheer to the office, as well as goodies from vendors and maybe even a company party, not everyone feels the same. A recent study […]

  • Worker fallen down while carrying cardboard boxes

    When Injuries at Work Don’t Equal Workers’ Comp

    While injuries and deaths that occur while someone is carrying out their work on behalf of their employer are compensated by workers’ comp coverage, not all workplace injuries or deaths are compensable, as a recent court case shows. In the case, a heating and air conditioning technician died of a heart attack while working in […]

  • Fire and Intense Flames Burns Home to the Ground

    After the Grenfell Tower Fire: What Building Owners Can Do to Improve Fire Safety

    A massive London apartment fire that killed at least 80 people last June is causing landlords to reassess fire risk and potential liability. Officials trace the likely genesis of the Grenfell Tower fire to a faulty refrigerator. But the use of Reynobond PE, an exterior building cladding made by Pittsburgh-based Arconic, Inc., may have contributed […]

  • company christmas party

    Keeping it Safe, and Limiting Liability During Holidays

    With year-end festivities about to begin, you should include safety into your holiday plans, be that if you are simply decorating the office or throwing a holiday/year-end party for your staff. Since the holiday season or your party is only once a year, it’s easy to overlook safety even though you already incorporate it into […]

  • Person tripping over a warehouse hazard

    Fall Protection Training Makes Debut on OSHA’s Top 10 Citations List

    There’s a newcomer to OSHA’s top 10 list of violations that it cites every year: Fall Protection – Training Requirements. While physical fall protection violations, like failing to install guard-rails or provide fall protection equipment, continue to feature at the top of the list, this is the first time that training requirements as a stand-alone […]

  • Patient having wrist bandaged by nurse in hospital triage center

    Documenting Small Safety Incidents Key to Preventing Major Ones

    Studies show that for every major workplace injury or fatality, there are nearly 10 minor injuries – and more than 30 accidents that lead to property damage. Capturing data even on minor safety incidents can be critical in informing efforts to prevent much greater dangers in the future. This item sets out the areas on […]

  • Brush Fire Threatening Homes

    Protecting Your Workers in Wildfire Areas

    If you have workers in a wildfire zone, you need to have measures in place to protect them in the event of a catastrophe. Smoke from these wildfires is dangerous as it contains chemicals, gases and fine particles that can lodge deep in people’s lungs. This can make it difficult to breathe, aggravate asthma as […]

  • Oh my God, I am going to crash!

    Employees Driving Their Own Vehicles on the Job Are Your Liability

    Many business owners don’t think twice when asking a worker to run to the office supply store, to the bank or run another errand for the company while on the clock. But as soon as that employee enters their personal vehicle on a trip for your business, you automatically become vicariously liable for their actions. […]

  • Mature businesswoman Working On Her Laptop.

    Five Tips for Streamlining Your Insurance Policy Audit

    Are you due for a workers’ compensation premium audit? Audits are how insurance rates are determined, and it’s possible that an audit will uncover information that can actually save you money. Additionally, audits are important to make sure that your employee counts and job descriptions haven’t changed, so that the premium can accurately reflect your […]

  • Upset girl student puts money in an envelope

    ADA Access Demand Letters Rear Their Ugly Heads

    Despite the fact that a law was enacted in 2013 to curtail “drive-by” Americans with Disabilities Act access lawsuits, crafty plaintiff’s attorneys have revived the practice. According to recent news reports, employers still receive letters from lawyers who demand payment on behalf of disabled clients in exchange for not suing the establishment for violating ADA […]

  • Business Meeting

    Rating Bureau Recommends Another Rate Decrease, Albeit Slight

    The Workers’ Compensation Insurance Rating Bureau of California will ask for a benchmark rate increases of 0.1% for policies incepting on or after Jan. 1, 2018. In light of the insurance commissioner approving a 7.8% decrease for July 1 of this year, the benchmark rate for 2018 policies will be nearly 8% less than it […]

  • Hispanic Businessman Falling on stairs

    Your Liability Every Time Someone Enters Your Facility

    One sure-fire way for a business to get sued is if a visitor – a customer, vendor or anyone else – injures themselves while on your premises. While you may already do all you can to keep employees and customers safe, you are likely still exposed to being sued if someone injures themselves in one […]

  • first aid training class

    Could Your Staff Respond to a Medical Emergency?

    If one of your employees or a customer had a serious medical emergency while at work, would your staff know how to respond? Unfortunately, most U.S. employees are not prepared to handle cardiac emergencies in the workplace because they lack training in CPR and first aid, according to new survey results from the American Heart Association. […]

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