It may be of interest, if not importance, for all Californians to know about current proposed legislation, sponsored by Senator Ricardo Lara of Bell Gardens and Senator Toni Atkins of San Diego. The proposed bill would significantly expand the role of the state government within the healthcare system, by essentially establishing a single-payer system.
Commercial Auto Premiums Are Rising - What’s Driving the Increases?
Author David J. Garcia, C.R.I.S., A.A.I., President Rancho Mesa Insurance Services, Inc.
The insurance industry is experiencing record losses on their commercial auto books of business, which is dramatically driving up insurance premiums for business owners. There are many factors that are contributing to this increase in losses; let’s take a look at six of the most prevalent.
How to Prevent Back Injuries in the Landscape Industry
Author, Drew Garcia, with Rancho Mesa Insurance Services, is the program director for NALP’s Worker’s Compensation Program.
According to the Workers Compensation Insurance Rating Bureau (WCIRB), in the last 5 years, over a quarter of a billion dollars in back injury claims, on behalf of the landscape industry, have been paid out by carriers in California. The back claim is by far the most costly injury at $22,000 over the last five years and the second highest in terms of frequency (behind hand, wrist and finger injuries), and the leading claim resulting in an employee's time away from work.
Why are hand injuries the most frequent claim reported in the Landscape Industry?
Author, Drew Garcia, with Rancho Mesa Insurance Services, is the program director for NALP’s Worker’s Compensation Program.
The landscape industry experiences frequent hand, wrist and finger injuries - they're three most frequent types of Workers Compensation claims. Employees complain their personal protection equipment (i.e., gloves) limit dexterity, prohibiting finger movement, causing difficulty in performing their jobs. As a result, employees remove their safety gloves to perform their job-related activities, and experience hand, wrist and finger injuries.
4 Factors That Shape Your Insurance Risk Profile
Author, Drew Garcia, with Rancho Mesa Insurance Services, is the program director for NALP’s Worker’s Compensation Program.
Ever wonder why your insurance rates high when your competitors are low? There are reasons for that including, frequency of claims, severity of claims, experience rating, average claim cost incurred, operations, trends, loss ratio etc. If you evaluate your risk profile you can take action to lower your premiums.
New First Aid Reporting Requirements Take Effect January 1st, 2017
Rancho Mesa “Rocks” the Landscape Industry
Author, Drew Garcia, NALP Program Director, Rancho Mesa Insurance Services, Inc.
On March 1st 2017 Rancho Mesa Insurance Services, Inc., The National Association of Landscape Professionals, and Berkshire Hathaway Homestate Companies will introduce a unique National Workers Compensation solution designed to cater the needs of Landscape Contractors and Lawn Care Professionals.
Court Case Endangers State Workers' Comp System
Cal/OSHA 300A Posting Begins February 1st
Rancho Mesa Insurance Services, Inc. would like to remind its clients that February 1, 2017 marks the start of the Cal/OSHA Form 300A posting period. The Cal/OSHA 300A Form is a summary of the company's annual work-related injury and illnesses. It must be posted from February 1, 2017 through April 30, 2017.
California Workers Compensation 2017 Annual Officer Payrolls Minimums and Maximums, Assessment Rates, and Dual Wage Thresholds Announced by WCIRB
AB 2883: Change in California Workers Compensation Law
Earlier this year, we reached out regarding California Assembly Bill 2883 (AB 2883), which drastically changed the legal requirements that allow an employer to exclude its corporate officers and the members of its board of directors from workers' compensation insurance coverage. As a result, this change will now affect ALL policies inforce as of January 1, 2017.