Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
Recently, California updated regulations regarding how employers can use criminal history to make employment decisions.
Mitigating Risks in the Solar Industry with Professional Liability Insurance
Author, Kevin Howard, Account Executive, Rancho Mesa Insurance Services, Inc.
Since the outset of the 21st century, the solar installation industry has been bustling with the demand to create clean sustainable energy. Based on growing political and ecofriendly needs, the solar industry is ever changing and trying to keep up with constant fluctuations when it comes to energy storage, federal and state regulations, and supply chain demands.
California Increases Paid Sick Leave for 2024
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
The state of California will officially change the paid sick leave (PSL) law for businesses in 2024. Effective January 1, 2024, the amount of PSL employees can take will increase from 24 hours to 40 hours per year.
Strategies for General Contractors to Minimize Liability
Author, Lauren Stumpf, Marketing & Media Communications Specialist, Rancho Mesa Insurance Services, Inc.
In Episode 355 of Rancho Mesa’s StudioOne™ podcast, host Andy Roberts, an Account Executive in the Surety Group at Rancho Mesa, is joined by Ted Lee, a Contract Bond Underwriter at Liberty Mutual Surety, to discuss strategies for general contractors to limit their liability when working with subcontractors. Ted shares his background and experience in the surety industry before delving into the main topic.
Safety Evolution: General Contractors Begin Requiring Safety Helmets Over Hard Hats
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
The hard hat has long been a staple for construction-site safety. However, a new contender has entered the industry in 2023 as more and more general contractors are requiring safety helmets.
How Important is Your EMR in the Pre-Qualification Process?
Author, Sam Clayton, Vice President, Construction Group, Rancho Mesa Insurance Services, Inc.
With 2024 right around the corner, general engineering and trade contractors will be required by government agencies and general contractors to enter the annual pre-qualification process in order to bid work. These entities are looking closely at a company’s project history, including project size, bonding capacity, limits of insurance as well as a companies’ Experience Modification Rate (EMR).
SB 553: Governor Signs New Law for Workplace Violence Prevention Requirements
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
On September 30, 2023 Governor Newsom signed into law new standards for California companies regarding workplace violence. Effective July 1, 2024, Senate Bill 553 (SB 553) will expand requirements for recordkeeping, injury and illness prevention programs, and employee training.
The Road to Recovery: Commissioner Lara's Plan to Rescue Property Insurance in California
Author, Jeremy Hoolihan, Account Executive, Rancho Mesa Insurance Services, Inc.
California Governor Gavin Newsom recently declared property insurance a State of Emergency in CA based on a mass exodus of property insurance companies. This has allowed CA Insurance Commissioner Ricardo Lara to strike a deal with insurance companies to encourage new coverage in the State. The changes are slated to go into effect by the end of 2024. However, the hope is that insurers will begin to write homeowner’s policies sooner.
OSHA Officially Rules for Expanded Recordkeeping Requirements for High-Hazard Industries
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
Recently, the Occupational Safety and Health Administration (OSHA) made its final ruling to expand recordkeeping requirements for high-hazard industries, such as construction. The new requirements will take effect January 1, 2024 and will expand on what injury and illness information is needed to be electronically submitted to OSHA.
Implementing Technology and Other Safety Tactics to Protect Your Fleet
Author, Greg Garcia, Account Executive, Rancho Mesa Insurance Services, Inc.
One of the most important practices for any landscape professional is fleet safety. Whether you have 10 trucks or 100, the exposure and risk remain the same. Explore a prior podcast episode, Episode #251, in which I delve into compelling statistics that shed light on the increasing frequency and severity of auto accidents each year.
Fire Prevention Month: Revisiting Fire Preparedness
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
October is Fire Prevention Month. The National Fire Protection Association (NFPA) dedicated this month to spreading awareness for fire safety and prevention. The construction industry is particularly vulnerable to fire danger, making this a good time to re-evaluate your company’s fire hazards and training protocol.
Are Bonded Projects Really Better Performers than Non-Bonded Projects?
Author, Anne Wright, Surety Relationship Executive, Rancho Mesa Insurance Services, Inc.
The goal of the surety, in any relationship, is to ensure that the bonded job is completed successfully, is profitable for their client, and is without claims.
Random Acts of Violence: Are They OSHA Recordable?
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
Are random acts of violence OSHA recordable? This is a question many companies, particularly those that are required to report to OSHA annually, may ask. Whether the incident involves construction workers building in a high-crime area, or employees encountering hostile customers, determining if violent injuries are work-related is not always a black and white decision.
Understanding the Importance of Subcontractor Warranty Endorsement in General Liability Policies
Author, Lauren Stumpf, Marketing & Media Communications Specialist, Rancho Mesa Insurance Services, Inc.
In a recent podcast episode, Daniel Frazee, Executive Vice President at Rancho Mesa, sat down with fellow Agency Principal Sam Clayton to explore a crucial topic in the realm of general liability insurance policies, the subcontractor warranty endorsement. This endorsement outlines essential requirements that contractors should pay close attention to when working with subcontractors.
Digitalization in the Construction Industry: A How-To Guide
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
The construction industry stands as one of the biggest contributors to the U.S. economy. With the rapid advancements in technology, however, it still stands out as one of the least digitized industries in the world. While traditionally, construction companies have been loyal to paper methods, digitalization in construction brings many benefits such as increased efficiency, improved safety, and enhanced communication.
Surviving the Blaze: Developing Asset Relocation Plans in Wildfire-Prone Regions
Author, Rory Anderson, Account Executive, Rancho Mesa Insurance Services, Inc.
As a tree care company operating in wildfire-prone areas, the safety of your crew, equipment, and vehicles is paramount. Wildfires can be unpredictable and devastating, posing a significant threat to your valuable assets. To mitigate risk of potential losses, it is important to have an effective asset relocation plan in place. This plan ensures that in the event of a wildfire, your vehicles and equipment have a safe place, reducing the risk of damage or total loss. This safe relocation address should be in an urban area, surrounded by buildings – not rural vegetation. It can be a mall parking lot or any urban lot. Let’s explore the reasons why having an asset relocation plan is crucial for tree care companies.
Steering Towards Safety: Strategies for Lowering Commercial Auto Insurance Premiums
Author, Casey Craig, Account Executive, Rancho Mesa Insurance Services, Inc.
We are going into uncertain times as some commercial auto carriers are electing to no longer write new business in California. This is leading to other carriers, that are still willing, to be overwhelmed with requests for insurance quotes. Carriers are limited in the increases they can take from one policy period to the next and have had increasingly bad losses which has made it impossible to be profitable. This will lead to carriers inevitably charging more over time as the losses have become staggering. Let’s take a look at what you can do as an insured to help your company look like a better risk for these carriers and mitigate premium increases?
Is Your Organization at Risk? Assessing the Need for an AI Policy
Author, Megan Lockhart, Client Communications Coordinator, Rancho Mesa Insurance Services, Inc.
Since the release of ChatGPT this year, it seems every technology platform is incorporating Artificial Intelligence (AI) into their products. However, concerns are quickly rising about the effects AI technology may have on industries. As more companies begin to incorporate AI into their products and operations, now is the time to reevaluate the necessity of an AI policy for your organization.
Back to the Books: Fall Months Call for Driver Preparedness
Author, Megan Lockhart, Media Communications and Client Services Coordinator, Rancho Mesa Insurance Services, Inc.
As schools begin filtering back into session, more vehicles flood the roads in the mornings and afternoons. The “rush hour” traffic is back in full swing. From construction workers on their way to the jobsite to parents rushing their kids to school, more vehicles on the road means more risk for accidents, and an uptick in insurance claims.
Unraveling Residential Exclusions: Navigating General Liability in Construction
Author, Lauren Stumpf, Marketing & Media Communications Specialist, Rancho Mesa Insurance Services, Inc.
In Episode 339 of Rancho Mesa’s StudioOne™ podcast, Vice President of the Construction Group Sam Clayton interviews Executive Vice President Daniel Frazee as they discuss the importance of Residential Exclusions in General Liability (GL) Policies for companies in the construction industry.