AMAXX

FEBRUARY 10, 2025

Supervisors in the workplace, much like a championship teams defense, play a pivotal role in injury management. Their response in the first moments after an injury determines whether the process leads to a smooth recovery or spirals into an expensive, drawn-out claim. Research by Scott W.

Injury

AMAXX

MAY 6, 2025

Hiring is more than finding the right resume or filling a seatits the first and most important line of defense in preventing workplace injuries and reducing workers comp costs. Employers struggling with first-year injuries, high turnover, or repeat claims often have something in common: a reactive hiring process.

Workers Comp

AMAXX

MAY 6, 2025

But whats often missed is that onboarding is one of the most critical safety tools in a companys injury prevention strategy. Injury rates dont spike after years on the jobthey surge within the first few days and weeks of employment. For instance: 52% of restaurant industry claims happen in the first 12 months.

Injury

Central Insurance

JUNE 20, 2025

Discover the most common risks professional offices face and learn expert-backed strategies to prevent claims, injuries, and costly disruptions to your business. The post The 7 Risks Your Professional Office Can Face—and How to Prevent Them appeared first on Central Insurance Blog.

Risk

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Insurance affordability in Georgia is dwindling as claim frequency and insurer costs soar, according to the latest issue brief from Insurance Information Institute (Triple-I), Trends and Insights: Georgia Insurance Affordability. Injury claim severity in the state is slightly higher than in the rest of the country.

Commercial General Liability

AMAXX

JULY 22, 2025

But buried in those pages are opportunities— opportunities to catch costly errors, curb overcharges, and prevent claim bloat. High-Risk Areas: Where Overcharges Hide While billing errors can happen anywhere, certain areas are particularly vulnerable to abuse or misinterpretation: 1. That’s where expert review comes in.

Workers Comp

AMAXX

JULY 14, 2025

When it comes to workers’ compensation, small claims might seem harmless. After all, fewer claims mean fewer red flags on your insurance history—right? Especially in ERA states , choosing not to report those small claims could end up costing far more in the long run. So, a $10,000 medical-only claim? Not always.

Claim

Mark Jackson Insurance Agency

APRIL 21, 2025

Crutches leaning against a wall by Anna Shvets Workplace injuries affect more than just your team. For business owners, preventing injuries is key to protecting employees, maintaining productivity, and minimizing workers compensation claims. Training is another effective tool for injury prevention.

Workers Compensation

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. When injuries occurred, the only recourse available to the worker was to sue their employer for negligence. Thus, the Grand Bargain was born.

Workers Comp

American Agents Alliance

JUNE 12, 2025

Read on to learn more about how to avoid coverage gaps that can lead to E&O claims while helping ensure policyholders are protected. How to Avoid Coverage Gaps That Can Lead to E&O Claims When meeting with new clients or existing policyholders at renewal time, be proactive and ask about new risks, exposures, and opportunities.

Claim

Triple-I: Homeowners Insurance

JUNE 3, 2025

Worters, Vice President, Media Relations, Triple-I Vacant homes often carry more risk than meets the eye. Injuries on vacant property can lead to significant financial losses. Vacancy endorsements are available To manage the elevated risks of a vacant property, insurers offer vacant home insurance policies or vacancy endorsements.

Theft

AMAXX

JULY 17, 2025

When it comes to workers’ compensation costs, many employers focus on claims management, safety programs, and return-to-work initiatives. means fewer-than-expected claims and lower premiums. Each code reflects the inherent level of risk in that job. A roofer would fall under a higher-risk code, such as 5551 Roofing.

Workers Comp

AMAXX

FEBRUARY 24, 2025

However, there are times when the NCM doesn’t serve a specific purpose and is assigned to the claim to get it moving. The injury coordinator can evaluate these aspects of both telephonic case management and field-based case management by first emailing the adjuster and stating the above. For all hospitalizations.

Workers Compensation

AMAXX

FEBRUARY 18, 2025

Misclassification can lead to costly errors, either by overpaying premiums or by facing penalties for underreporting risk. Each classification is assigned a code, which corresponds to a certain level of risk associated with that type of work. The higher the risk, the higher the workers compensation premium for that classification.

Workers Compensation

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

AMAXX

JULY 15, 2025

When it comes to workers’ compensation costs, few topics spark more debate—and confusion—than the question: Which is worse for my experience mod: many small injuries or one big one? It’s a measure of risk—the insurer’s way of predicting your future claims based on your past history. A mod above 1.00

Workers Comp

AMAXX

MARCH 10, 2025

Proper layoff planning isn’t just about handling employment transitions; it’s crucial for controlling claims costs and ensuring that resources are available to support genuinely injured workers. Enhance Claims Handling Capacity Prepare for an uptick in claims by adding staff who can handle the additional workload effectively.

Workers Comp

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

JULY 7, 2025

Nearly one in three people applying to work for you might not be who they claim to be. Consider these risks: Underqualified hires placed in physically demanding jobs are far more likely to be injured, especially during the critical first weeks of employment. They’re a direct threat to your bottom line.

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. It’s a leading indicator of workplace safety and risk exposure.

Workers Comp

AMAXX

MARCH 18, 2025

When a workplace injury occurs, selecting the right physician is a critical factor in ensuring a smooth recovery and return to work. These errors can have significant consequences, including prolonged recovery times, increased claims costs, and a greater likelihood of litigation. The only available provider was 70 miles away.

Workers Comp

AMAXX

MARCH 10, 2025

In the first part of our series, we emphasized the importance of thoughtful layoff planning to mitigate the risk of increased workers’ compensation claims following a workforce reduction or facility closure. This reduces the potential for prolonged indemnity claims continuing after layoffs.

Workers Comp

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. Peace of Mind Knowing your business is protected against various risks reduces stress for business owners, allowing you to focus on growth and operations.

Business Insurance

AMAXX

MARCH 4, 2025

OSHA Compliance as a Cost-Saving Strategy Workplace injuries are expensive. The direct costs of workers’ compensation claims, medical expenses, and lost productivity add up quickly. A proactive safety strategy aligned with OSHA standards can drastically reduce workplace injuries, lowering both direct and indirect costs.

Workers Comp

Scott Insurance

JULY 3, 2025

Workplace injuries in physically demanding industries like construction, hospitality, manufacturing and transportation are costly, with heightened risk early in employment. While costly, these injuries are often preventable. What Is a Post-Offer Medical Questionnaire? Readers should contact legal counsel for legal advice.

Injury

Distinguished

MARCH 20, 2025

Additionally, defects in windows, doors, handrails, and stairs not only contribute to drafts and security concerns but also increase the risk of falls. Blocked emergency exits or fire escapes and electrical hazards, including exposed wiring or overloaded circuits, further compound these risks.

Broker

Distinguished

MAY 19, 2025

Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability. 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.

Policy

LexisNexis

JULY 1, 2025

Discover how nothing says “legacy risk” like a 1972 occurrence clause. Single-Year, Multi-Year, and Multi-Policy Insurance Coverage Claims Disputes Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply.

Policy

Triple-I: Workers Compensation

MAY 20, 2025

William Nibbelin, Senior Research Actuary, Triple-I Economic uncertainty, industry-specific trends, and evolving risks were the focus of the NCCI Annual Insights Symposium (AIS) 2025 a key event for the workers compensation industry. Both medical and indemnity claim severity increased by 6 points in 2024. points from 2004 to 2023.

Workers Comp

Protect Commercial Insurance

MAY 9, 2025

Owning a retail shop or salon can be a thrilling venture, but it also comes with its fair share of risks. The Importance of Retail Shop & Salon Insurance Image courtesy: Pexels Running a retail shop or salon involves a certain level of risk, just like any other business. Introduction Hello, savvy UK business owners!

Liability Insurance

AMAXX

FEBRUARY 24, 2025

Evidence-Based Medicine (EBM) plays a critical role in workers compensation, guiding both medical professionals and non-medical stakeholders in making informed decisions about injury treatment, recovery time, and return-to-work strategies. This ensures that EBM guidelines reflect a comprehensive, well-rounded approach to injury treatment.

Workers Compensation

AMAXX

MARCH 24, 2025

Payroll serves as a primary measure of the employer’s exposure to potential workplace injury and thus significantly impacts premium costs. Accurate payroll accounting reflecting these deductions helps maintain appropriate premium charges aligned with actual exposure to injury risk. However, strict rules apply.

Workers Comp

Protect Commercial Insurance

JUNE 20, 2025

Essentially, it covers a variety of risks associated with office environments, aiming to protect both physical assets and financial interests. It covers compensation claims from employees in case of workplace injuries or illnesses. In the world of office insurance, the types of risks covered can make all the difference.

Protection

Distinguished

MARCH 20, 2025

And with rising property values, more frequent catastrophic weather events, and emerging risks like habitability claims, its never been more critical to help your clients navigate their insurance options. Without the right coverage, property owners could be exposed to significant financial and legal risks.

Building

Mark Jackson Insurance Agency

MARCH 19, 2025

Brick commercial office building by Binyamin Mellish Expanding your business to a new location is an exciting step toward growth, but it also introduces new risks. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk.

Workers Compensation

AMAXX

JULY 30, 2025

With a 4% profit margin, your company needs to generate $293,750 in revenue just to make up for that one claim. Multiply that by several injuries—and you’ll see how quickly those numbers can spiral out of control. Transitional duty isn’t just a tool for reducing claims cost—it’s a pathway to emotional and physical recovery.

Workers Comp

AMAXX

MAY 14, 2025

If you want a high-performing workers comp programone that reduces claims, controls costs, and supports injured employees you need a rockstar internal team. This could be: A risk manager An HR director A safety leader An injury coordinator What matters is not the titleits the accountability. And no one really does.

Workers Comp