Recent Posts

  1. 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 […]

  2. 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. […]

  3. 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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  4. 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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  5. 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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  6. 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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  7. 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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  8. Cyber Security Biggest Concern Among Businesses

    by Cameron Bramwell

    Cyber-related concerns grew by more than 20 percentage points among consumers from last year, moving from the fifth-ranked to the third-ranked concern overall, in the third annual Consumer Risk Index conducted by  The Travelers Companies. One in four Americans say they have been the victim of a data breach or cyber attack, according to the […]

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  9. Cyber Liability Insurance

    by Cameron Bramwell

    Cyber Liability Insurance Cyber liability is a relatively new kind of insurance product, dominated by a handful of insurance carriers. Despite the current level and severity of data breaches, losses have not yet hit the levels previously forecast by IT security experts, and as such, there has been a general decline in cyber liability insurance […]

  10. No Personal Umbrella? Legal Fees Could be a Problem

    by Cameron Bramwell

    The personal umbrella market tends to be a stable one. But as the U.S. legal environment becomes more plaintiff-friendly, that could change in the coming years—especially in light of upcoming technology and lifestyle trends that will impact how important it is that your personal lines clients secure an umbrella. “We look at [personal umbrella] loss […]

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