Recent Posts

  1. 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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  2. 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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  3. 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 […]

  4. 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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  5. September is Life Insurance Awareness Month

    by Cameron Bramwell

    Many of us fall short in reviewing our insurance policies the way we should.  It is very important to review all insurance policies, but life insurance may be the most important.  According to the 2015 Insurance Barometer Study by Life Happens and LIMRA, more than 40% of Americans have no life insurance.  This study also […]

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  6. Real-World Case Study: The Risk of Teen Driving

    by Cameron Bramwell

    Real-World Case Study: The Risk of Teen Driving Emily, a 17-year-old, decided to treat her best friend, Taylor, to a movie to celebrate finishing their finals. They were running late and didn’t want to miss the show, so Emily sped down the highway. She lost control going around a notorious turn and crashed into a […]

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  7. Colorado Wage Payment Requirements

    by Cameron Bramwell

    Several federal laws regulate wage payments, including the Fair Labor Standards Act (FLSA), the Davis-Bacon Act and the Service Contract Act. Colorado law also imposes state wage payment requirements. When federal and state laws are different, the law that is more favorable to the employee will apply. The Colorado Department of Labor and Employment (CDLE) […]

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  8. Colorado Overtime Wage Laws

    by Cameron Bramwell

    Federal overtime wage payment requirements are governed by the Fair Labor Standards Act (FLSA). In Colorado, these requirements are governed by the Colorado Wage Act (CWA). Under both laws, employees must receive one and one-half times their regular wage rate for all hours worked in excess of 40 hours in a workweek. The Colorado Department […]

  9. 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 […]

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  10. Employees Can Be Fired for Off-Duty Marijuana Use

    by Cameron Bramwell

    A medical marijuana card is not a defense against an employer’s anti-drug policy, according to a ruling from the Colorado Supreme Court. The case involved Brandon Coats, a quadriplegic man who used medical marijuana to treat muscle spasms while off duty from his job at Dish Network. When he violated the company’s drug policy by […]

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