Industry News
Author, Alyssa Burley, Client Services Coordinator, Rancho Mesa Insurance Services, Inc.
On August 1, 2017, the Occupational Safety and Health Administration (OSHA) launched its online electronic data filing application. It was designed to collect and publish injury data on companies throughout the United States in order to comply with a new requirement.
Author, Alyssa Burley, Client Services Coordinator, Rancho Mesa Insurance Services, Inc.
It is official – the Occupational Safety and Health Administration (OSHA) released its website for the electronic submission of employers’ injury and illness records (i.e., OSHA 300 logs).
Author, Alyssa Burley, Client Services Coordinator, Rancho Mesa Insurance Services
As San Diego’s East County battles a series of wild fires, it is a perfect time for business owners to review their insurance policies and proactively manage their fire risk, especially those who are located in semi-rural and rural areas.
Author, David J. Garcia, A.A.I., CRIS, President, Rancho Mesa Insurance Services, Inc.
Studies have shown, by reporting your workers compensation claims in a timely basis, not only will your injured employee receive better medical treatment, it will boost company morale. Both the injured worker, as well as other employees, will see your sincere concern for their wellbeing. In addition, timely reporting practices will also improve your risk profile through reducing the overall cost of the claim, which leads to lower loss ratios and lower experience modifiers, thus, resulting in lower premiums and improvement in your bottom line.
Author, Alyssa Burley, Client Services Coordinator, Rancho Mesa Insurance Services, Inc.
For over a year, the Occupational Safety and Health Administration (OSHA) have championed the upcoming electronic submission of injury and illness records (i.e., OSHA 300 logs) through its website. The new requirement was designed to make OSHA records publicly available on the internet in hopes that it would encourage employers to maintain safer working environments. The electronic submissions of the 2016 reports were supposed to be due by July 1, 2017.
Author, Alyssa Burley, Client Services Coordinator, Rancho Mesa Insurance Services, Inc.
With the recent cyberattacks spreading across the globe, Rancho Mesa would like to remind its clients to take the necessary precautions to protect their business’s data.
Author, Daniel Frazee, ARM, CRIS, Executive Vice President, Rancho Mesa Insurance Services, Inc.
Establishing a safety committee within your company will enhance the effectiveness of your safety program by identifying hazards and appropriate controls, implementing specific measures, developing clear safe work practices and communicating clearly through all levels within your organization.
The National Association of Landscape Professionals (NALP) is partnering with Rancho Mesa Insurance Services and Berkshire Hathaway Homestate Companies to offer NALP members a competitive workers’ compensation option backed by specialized landscape industry expertise and a dedicated service team.
Author Chase Hixson, AAI, Human Services Group, Rancho Mesa Insurance Services, Inc.
As technology and the common usage of the internet in business grow, Cyber Crime is an ever increasing exposure for businesses. Most businesses carry large quantities of sensitive data that if breached, can create a financial and administrative headache. Many business owners are unaware of the real exposures they have should their information be compromised, whether directly or indirectly.
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.
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.
Author Jeremy Hoolihan, CRIS, Janitorial Group Leader Rancho Mesa Insurance Services, Inc.
A recent study by the Commission on Health, Safety and Workers’ Compensation made an argument that the janitorial industry should be split into two workers’ compensation class codes. This change would be similar to how many construction operations field class codes are separated between an over and under dollar amount per hourly wage. As an example, an electrical contractor’s field wages are split at over and under $30/hour.
Author Matt Gaynor, Director of Surety at Rancho Mesa Insurance Services, Inc.
A Rancho Mesa construction client recently asked if they should be concerned when asked to add a Duel Obligee to a Performance Bond on a construction contract. The short answer is “no.” But, let’s expand on that answer.
Author, Dave Garcia, AAI, CRIS, is the President and CEO of Rancho Mesa Insurance Services, Inc.
It has become more common for construction companies to use temporary or leased labor in order to meet the demands of their work. While this is a useful tool it can create some unintended gaps in coverage for the contractor hiring the temporary or leased labor. These gaps potentially exist for on-the-job injury claims suffered by the temporary or leased workers.
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.
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.
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.
There has been a recent increase in attempts of a phishing scams involving W2s in nonprofit, schools and other human services organizations. We caution any business, but particularity organizations in these sectors to be very cautious if they receive any emails requesting information regarding W2’s, earning summaries or any other employee sensitive information. In many cases these emails look like they originate from a high level employee and are sent to other high level, human resources or payroll department employees.
Developing Solutions • Building Trust • Protecting Clients – ONE RELATIONSHIP AT A TIME.™
