Marijuana and Personal Insurance Coverage

As more states legalize marijuana for medical and recreational use, the associated risks of increased cannabis use may start affecting individual insurance coverage. The effects span across a number of insurance lines, including homeowner’s, auto and life insurance. There are number of issues that may arise when cannabis enters the equation, such as growing plants

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Vehicle Crashes On and Off the Job Cost Employers Dearly

The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers ― 2019” study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much

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Insurers Expected COVID-19 Workers' Comp Surge; It Never Came

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance provides coverage for medical benefits and wage replacement when an employee is injured or killed on the job. When an injured employee accepts workers’ compensation payments, he or she legally gives up the right to sue the employer later for damages or negligence. This is commonly known as the compensation bargain, and

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Be Extra Careful Driving in Work Zones

Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene. Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and

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Dog Bites and Your Homeowner’s Insurance

There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability. About 4.5 million people suffer dog bites every year, according to the Centers for Disease Control and Prevention. Of that number, about 885,000 need

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DOL Nixes Trump-Era Rule on Independent Contractors

President Biden’s Labor Department has rescinded a Trump-era rule that would have made it easier for businesses to classify workers as independent contractors instead of employees under the federal Fair Labor Standards Act. In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Labor unions

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