Recent Posts

  1. Did your employees get enough sleep last night?

    by Cameron Bramwell

    How did you sleep last night? Odds are, not well – and neither did your workforce. Life is hectic. It’s hard to shut down and relax. Children and pets keep us awake, and the blue light of our digital screens disturbs our natural sleep patterns. But lack of sleep is more than a nuisance. The […]

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  2. The Problem With Amendment 69 as it Pertains to Workers’ Compensation Insurance

    by Cameron Bramwell

    Colorado’s workers’ compensation system is one of the best in the nation, effectively balancing the needs of labor and business. The stability and financial security of the system is a boon to the state’s economy, helping retain business and lure new employers. But that will change if Amendment 69, or ColoradoCare, is approved by voters […]

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  3. 15 Warning Signs of Workers’ Compensation Fraud

    by Cameron Bramwell

    The WC (workers’ compensation) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of WC claims are truthful, the National Insurance Crime Bureau reports that billions of dollars of false claims are submitted each year. To help you detect possible WC fraud, […]

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  4. Rising Auto Insurance Prices

    by Cameron Bramwell

    Although gas prices are low and job rates are rising, these factors are pushing auto insurance rates up. That’s because as people begin to drive more, car insurance claims and insurance payouts rise accordingly. The National Safety Council (NSC) estimates that auto fatalities rose an estimated 8 percent last year, which is the largest increase […]

  5. Do I Need Flood Insurance?

    by Cameron Bramwell

    When floodwater from a severe, week-long storm started pouring through the walls of Becky Bentley’s house, she knew she had to get out fast. In the short time it took her and her son to run upstairs to grab the family cat, the rapidly rising water trapped them on the second floor of their home. […]

  6. Workers’ Compensation for Your Small Business

    by Cameron Bramwell

    Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages—typically a percentage of regular wages—and […]

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  7. Workers’ Compensation Claims Process

    by Cameron Bramwell

    The Workers’ Compensation Act of Colorado (WCAC) governs the claims process for individuals who sustain work-related injuries. The Division of Workers’ Compensation (DWC), part of the Colorado Department of Labor and Employment, investigates and handles worker’s compensation claims throughout the state. The processing of a claim typically begins with a notice of injury and may […]

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  8. A Roadmap to EHR Readiness for Long Term Care Facilities

    by Cameron Bramwell

    Long-term care organizations are recognizing that successfully implementing electronic health records (EHRs) in their facilities is good for business. It can make them more desirable health care partners to accountable care organizations as well as able to participate more effectively in programs like INTERACT, aimed at reducing hospital readmissions. What they may not recognize is […]

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  9. Cyber Liability Insurance: Leading Cause of Data Breaches- Employee Error

    by Cameron Bramwell

    When people think about data breaches, they tend think more about the illegal hacking into computer networks by individuals, criminal enterprises or even nation states, than they do about simple employee error. This makes some sense as hacking incidents seem to be more interesting and draw more media attention. Holding this belief, however, can cause […]

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  10. Workers’ Compensation Coverage and Your Experience Modification Factor

    by Cameron Bramwell

    Category: Uncategorized

    A key to understanding your workers’ compensation premium is the experience modification factor, also known as your mod. Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium. Who calculates the mod factor? Most states use the National Council on Compensation Insurance (NCCI) to […]

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