Recent Posts

  1. Dwelling Fire Coverage

    by Cameron Bramwell

    If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism and theft. If your primary residence is located on the rental or investment property, a homeowners policy would cover you from many of the potential risks. But what if you live somewhere else? […]

  2. Why Are Auto Insurance Prices Rising?

    by Cameron Bramwell

    Inflation will cause the price of all insurance policies to rise slowly, but you may have noticed that your auto insurance has risen more than normal lately. Most lines of insurance cycle between soft and hard markets over a number of years, which has a direct impact on the price you pay. Now, the auto […]

  3. 5 Ways to Prevent Digital Overload

    by Cameron Bramwell

    Digital overload is exactly what it sounds like, an overwhelming flood of information and stimulation from digital devices, and according to a survey from Microsoft it effects at least 34 percent of all employees. What’s more is this near-constant access to digital technology can be stress inducing, which could negatively impact your mental well-being. To […]

    Read More » Comments Off on 5 Ways to Prevent Digital Overload
  4. Privacy and Cyber Security

    by Cameron Bramwell

    Know the Risks The first step in protecting your business is to recognize basic types of risk: Hackers, attackers and intruders. These terms are applied to people who seek to exploit weaknesses in software and computer systems for their personal gain. Although their intentions are sometimes benign, their actions are typically in violation of the […]

  5. Workers’ Compensation Coverage for Multi-State Firms

    by Cameron Bramwell

    If you have locations or workers in multiple states, then your workers’ compensation coverage may be more complicated than you realize. Workers’ compensation coverage written in one state may not protect you if workers are injured in another. Though some policies cover multiple states, others limit coverage to the state where the policy was written. […]

    Read More » Comments Off on Workers’ Compensation Coverage for Multi-State Firms
  6. Creating a Workers’ Compensation Process

    by Cameron Bramwell

    For the unprepared, workers’ compensation (WC) issues can be both confusing and costly. Fortunately for employers, there are ways to actively engage WC issues to influence their outcomes. Through management controls and active involvement in the WC process, your organization can effectively influence related costs. To do so you will have to establish a number […]

    Read More » Comments Off on Creating a Workers’ Compensation Process
  7. Officer Exclusion from Workers’ Compensation Insurance

    by Cameron Bramwell

    Most states require employers to purchase a workers’ compensation insurance policy to cover workers who are injured or made ill due to a workplace exposure. While owners and corporate officers can exclude themselves from coverage, there are potential drawbacks to opting out that need to be seriously considered before you make your decision. Executive officers […]

    Read More » Comments Off on Officer Exclusion from Workers’ Compensation Insurance
  8. Colorado Workers’ Compensation- Employee Eligibility

    by Cameron Bramwell

    Workers’ compensation is a system of no-fault insurance that provides medical benefits and monetary compensation to employees who sustain work-related injuries and diseases. Workers’ compensation is governed by state law. The Workers’ Compensation Act of Colorado (WCAC) prescribes the requirements an employee must meet in order to receive workers’ compensation benefits in the state. The […]

    Read More » Comments Off on Colorado Workers’ Compensation- Employee Eligibility
  9. What Determines Vehicle Safety Ratings?

    by Cameron Bramwell

    Although every vehicle sold in the United States must meet minimum safety requirements, the government also uses safety ratings to encourage consumers to purchase safe vehicles as well as to encourage manufacturers to focus on safety features. The National Highway Traffic Safety Administration’s (NHTSA) 5-Star Safety Ratings measure the likelihood of an injury occurring in […]

    Read More » Comments Off on What Determines Vehicle Safety Ratings?
  10. Reporting Workers’ Compensation Claims

    by Cameron Bramwell

    Workers’ compensation laws are often misunderstood because they can vary significantly between states. If your employee reports an injury and you are unsure of what steps to take, you are not alone. However, regardless of your company’s geographical location, the first two days after an employee gets injured on the job are always the most […]

    Read More » Comments Off on Reporting Workers’ Compensation Claims