AMAXX

JULY 1, 2025

If there’s one universal truth in workers’ compensation, it’s this: The best claim is the one that never happens. Here’s how to move from simply collecting injury data to using it to prevent future claims. Prevention is far cheaper than paying claims. Lost Time Claims: Claims where employees miss work due to injury.

Injury

Property Insurance Coverage Law

JUNE 1, 2025

Thirty-four buildings take a beating. Because even … The post Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid? Because even … The post Should HOAs Take Out Construction Loans Just to Get Their Insurance Claim Paid? You report the damage. Your insurer acknowledges it.

Insurance Claim

AMAXX

MAY 6, 2025

Employers struggling with first-year injuries, high turnover, or repeat claims often have something in common: a reactive hiring process. This also ensures compliance and reduces liability for wrongful injury claims. When you treat hiring as your first safety strategy, you dont just reduce riskyou build a better, stronger workforce.

Workers Comp

Word & Brown

JUNE 21, 2025

You can help clients have a better understanding of health care – and build loyalty at the same time – by adopting these proven strategies. How Insurance Education Builds Client Loyalty That Lasts 1: Use plain language. It is an explanation of the claim, the total charges, what the insurer paid, and the amount due from the policyowner.

Building

AMAXX

APRIL 30, 2025

One day its a delayed report, the next its an escalating claim or a frustrated injured worker. Systematized communication helps prevent injuries from becoming high-cost claims, reduces litigation, builds trust with employees, and improves return-to-work outcomes all without needing constant intervention from every department.

Workers Comp

Solstice Insurance Broker

JANUARY 23, 2025

Brokers should advocate for clients year-round, assisting with claims and policy updates. By tailoring your guidance to fit their specific circumstances, you not only demonstrate your expertise but also build trust and rapport. This means assisting with any claims issues and answering coverage questions.

Out-Of-Pocket

AMAXX

JUNE 3, 2025

While much attention is given to claims handling, medical coordination, and return-to-work strategies, the foundation of a successful claim is built long before the incident takes place. That emotional state is one of the top reasons claims escalate, litigation occurs, and costs rise. They dont need to wonder, Am I on my own?

Injury

Top Insurance Blogs

JUNE 12, 2025

Over the weekend, anti-ICE protests erupted across Los Angeles, resulting in significant damage to businesses, vehicles, and buildings. What Happened […] The post How is the Los Angeles Protest Affecting Insurance Claims? appeared first on My Top Insurance Blogs.

Insurance Claim

AMAXX

APRIL 30, 2025

When a workers compensation claim spirals into a costly, prolonged, or litigated nightmare, most people instinctively look for a technical failure: late paperwork, a coverage issue, or a misstep by the claims adjuster. The real reason many workers comp claims go off the rails? And guess what?

Workers Comp

AMAXX

FEBRUARY 17, 2025

However, implementing strong communication strategies can significantly improve claim outcomes and reduce unnecessary legal battles. The 2014 Predictors of Worker Outcomes Study surveyed 4,800 injured workers across 12 states and found that fear of being fired was a major predictor of poor claim outcomes.

Workers Comp

Protect Commercial Insurance

APRIL 11, 2025

Types of Coverage Available Commercial property insurance usually provides several types of coverage, allowing businesses to tailor policies to their precise requirements: – Building Coverage : Protects the physical structure of your business, including fixtures and fittings. Non-compliance can sometimes void insurance claims.

Commercial Property

Neilson Marketing Services

JANUARY 30, 2025

A well-crafted insurance agency website is an essential tool for building credibility, attracting potential clients, and converting leads. Trust is a key factor in insurance sales, and content that tells a story, rather than just listing services, builds credibility and fosters client relationships.

Insurance Agency

Property Insurance Coverage Law

JULY 18, 2025

A recent decision offers valuable insight into how insurance agent negligence claims play out when organizations misunderstand the scope of their insurance coverage. Insurance agent negligence cases are rarely easy.

Insurance Agent

Distinguished

MARCH 20, 2025

For instance, problems with roofs and exterior wallssuch as cracks, leaks, or deteriorating materialscan weaken a buildings overall integrity, while foundation issues like uneven or shifting bases create serious safety hazards. In Philadelphia, housing code violations generally fall into a few key categories.

Broker

AMAXX

MAY 19, 2025

The workers compensation system may feel like a complex web of insurance premiums, claims adjusters, and legal disputesbut at its core, its rooted in one simple idea: a compromise. Small companies especially found themselves at risk of being put out of operation entirely after just one major injury claim. Its not just about compliance.

Workers Comp

Distinguished

MARCH 6, 2025

Other notable issues include illegal conversions where garages, basements, or other spaces are converted into living areas without proper permitswhich are particularly common in older buildings. After a report is filed, an inspector from the Los Angeles Housing Department or Building and Safety is dispatched to evaluate the situation.

Building

Boyle Agency Insurance

FEBRUARY 3, 2025

Failing to do so could leave your home underinsured in the event of a claim. It provides coverage for property damage and theft of building materials during the renovation process. A safe renovation environment can help prevent liability claims on your insurance. This coverage safeguards your investment from unexpected setbacks.

Home Insurance

Shield Insurance Agency

JUNE 19, 2025

Business insurance protects you/your business against various risks and potential financial losses that can arise from unexpected events or claims.

Business Insurance

Protect Commercial Insurance

JUNE 6, 2025

This includes buildings, equipment, furnishings, inventory, and exterior fixtures. The key components generally include: – Buildings and Structures : This includes the main business premises and any additional structures owned by the business, such as garages and warehouses. A clean claims history often results in lower rates.

Commercial Property

AMAXX

MAY 27, 2025

If you’re serious about lowering premiums, reducing claim durations, and improving outcomes for injured workers, start by identifying and correcting these ten common pitfalls. Employers must take ownership of claims management, set expectations, and actively coordinate their team. Silence breeds mistrust and prolongs recovery.

Workers Comp

AMAXX

MAY 13, 2025

Yet many employers still fly blindunsure where to focus, overwhelmed by options, and frustrated by rising claim costs and stagnant outcomes. If your workforce doubles but your cost per FTE stays the sameor goes downyoure likely managing claims effectively. Its one of the most predictive metrics of claim severity.

Workers Comp

The Property Insurance Law Observer

MAY 12, 2025

Facts The insureds claim arose after multiple water leaks damaged its office. Conclusion Calculating an accurate period of restoration is critical in adjusting insurance claims. State Farm Mutual Automobile Insurance Company , 2025 WL 416814 (9th Cir. The insurer initially paid a certain sum for lost income due to the leaks.

Commercial Property

AMAXX

JUNE 17, 2025

When it comes to managing workers’ compensation claims, many employers focus on lagging indicators—things like claim count, indemnity costs, and days lost. And more importantly, it predicts future claims costs, experience modification factors (mods), and employee outcomes better than almost any other metric.

Workers Comp

AMAXX

MAY 22, 2025

In the high-stakes world of workers compensation, the moments following a workplace injury can define the entire outcome of a claim. Claims cost, duration, employee trust, litigation riskit all hinges on whats said (or not said) in those first few minutes. The average claim duration also plummeted: Negative response: 33.5

Injury

Agency Revolution

APRIL 17, 2025

But dont forget client milestones like renewals, anniversaries, birthdays, claims follow-ups, the list goes on. Staying true to your agency’s style helps build trust and reliability, making clients feel supported and valued. Its what builds relationships and fosters loyalty. Ongoing support and assistance are key.

Insurance Agency

AMAXX

JUNE 24, 2025

Not a legal maneuver, not a claims system overhaul—just a sincere, timely, personal note from a supervisor or team member that tells the injured employee: We see you. And it could help you prevent more claims from ever reaching a courtroom. Fear their claim was denied (or ignored). Build trust before problems arise.

Workers Comp

Scott Insurance

FEBRUARY 19, 2025

If heavy machinery is used in proximity to the existing apartment buildings, it raises the potential for accidents or property damage. This increases costs and can even lead to insurer disputes in the event of a claim if the insurers disagree on whose insured property was damaged. Consider a scenario where a rehab is underway.

Underwriter

Distinguished

MARCH 19, 2025

For buildings constructed before June 13, 1979, strict rent control laws apply. These include unstable buildings, unsafe stairways, or poorly maintained common areas like balconies and porches. Once a report is filed, the Department of Building Inspection (DBI) conducts an inspection. First, there are Rent Control Violations.

Building

Distinguished

MAY 6, 2025

A stolen excavator can delay an entire construction project, a damaged HVAC system in transit can leave a building unfinished, and a trucking accident can result in both vehicle loss and undelivered cargo. Loss history and risk management: Prior claims and safety measures influence pricing. How are claims handled?

Inland Marine Insurance

Distinguished

JUNE 2, 2025

For Ohio landlords, these aren’t one-off anomalies — they’re routine claims that happen across Cleveland, Columbus, and Cincinnati every year. Harsh winters, severe storms, aging infrastructure, and liability claims can all turn a profitable property into a financial setback without proper insurance.

Liability

TGS

JUNE 11, 2025

Even homes outside of high-risk flood zones can benefit—25% of flood claims come from low-to-moderate-risk areas. Ordinance or Law Coverage If your home is damaged and you need to rebuild, local building codes might require you to update your electrical, plumbing, or structural systems—even if the undamaged portions are still “okay.”

Home Insurance

AMAXX

JUNE 30, 2025

By building an integrated team approach, organizations can manage injuries more efficiently, reduce costs, and keep employees safer and healthier. Risk Management analyzes claims costs, tracks data, and develops cost-containment strategies. Duplication of effort, communication gaps, and missed opportunities for better outcomes.

Injury

Mark Jackson Insurance Agency

JUNE 16, 2025

Conduct regular reviews to update building, contents, and inventory limits. Choosing the Wrong Deductible It’s tempting to choose a higher deductible to lower your premium, but that can backfire in the event of a claim. For example, professional services, cyber threats, and employee-related claims may require separate coverage.

Commercial Insurance

AMAXX

MAY 6, 2025

A lack of structured onboarding is a silent contributor to workplace accidents, workers comp claims, and high turnover. For instance: 52% of restaurant industry claims happen in the first 12 months. When new hires are unfamiliar with equipment, safety practices, or physical demands, the chances of a serious claim go up dramatically.

Injury

Tosten Marketing

MARCH 3, 2025

Create infographics that break down policy types, coverage limits, or claims processes. Showcase Real Client Success Stories Nothing builds trust like real-life examples of how your agency has helped clients. This approach builds trust and provides valuable insights into your audience’s needs.

Insurance Agency

AMAXX

JANUARY 27, 2025

Legacy claims that linger unresolved. Use diagnostic questions to analyze your current WC program: Are claims reported within 24 hours? What is the status of open or legacy claims? Build a Strong Foundation Reforming WC begins with a solid framework. Lack of supervisor training. Poor communication with medical providers.

Workers Comp

Distinguished

MAY 19, 2025

From kitchen fires and equipment breakdowns to liability claims and utility outages, restaurants operate in an environment where a single incident can lead to costly interruptions or legal exposure. Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability.

Policy