Recent Posts

  1. 2015 Goal Setting

    by Cameron Bramwell

    Resolutions are possibly the best and worst part of beginning a new year. Who doesn’t like a fresh start or a new challenge? However, New Year’s resolutions can often be viewed negatively. Part of the reason many resolutions fail is that the term is seasonal and fixed to a very specific holiday. Come February, New […]

  2. Keep an Eye on Your Vision Health

    by Cameron Bramwell

    Category: Safety

    Tags:

    Eye exams, like regular physicals, are an important part of routine preventative health care. Since many vision issues present limited symptoms, early detection, diagnosis and treatment is important for maintaining good vision. Everyone should receive eye exams on a periodic basis, but the frequency will depend on your age, risk factors and physical condition. It […]

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  3. Celebrate Responsibly

    by Cameron Bramwell

    Category: SafetySeasonal

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    The holidays are a time to celebrate with family and friends. If you’ll be celebrating the season with alcohol, these tips will help you drink responsibly to stay safe this holiday season. Staying Safe While Celebrating the Season Designate a Driver Someone dies in an alcohol-related traffic accident in the United States every 30 minutes, […]

  4. What’s Driving Your Mod?

    by Cameron Bramwell

    A mod analysis can provide valuable insight into your business operations and workers’ compensation losses. If you have a basic understanding of how a mod is calculated, you can use a few simple equations to gain a deeper understanding of the factors contributing to your number. Determination of the minimum mod The minimum mod, also […]

  5. Safe Driving on Slick Roadways

    by Cameron Bramwell

    Winter weather can present many driving headaches for drivers, slick roadways being one of them. Most skids can be prevented by simply adjusting driving to the conditions and remembering how to recover if you should come in contact with a slick surface. Skid-Free Driving Remember these tips to avoid a dangerous accident when roads are […]

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  6. Understanding Your Workers’ Compensation Experience Modification Factor

    by Cameron Bramwell

    Understanding Your Workers’ Compensation Experience Modification Factor 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 […]

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  7. 2013-2015 Changes to NCCI’s Primary-Excess Split Point

    by Cameron Bramwell

    In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split point over a three-year transition period. The first stage of the transition took effect with each state’s approved rate and loss cost filing on or after Jan. 1, 2013. This change has also […]

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  8. Vegetarian and Vegan Diets

    by Cameron Bramwell

    Category: Food

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    Everyone makes food choices in different ways. For some, it is more than simply out of hunger or craving; their food choices are a way of life. Vegetarianism is a choice to abstain from eating meat products. Those who are vegan do not eat anything containing animal products (such as dairy and eggs), and prefer […]

  9. Do I need Workers Compensation Coverage For My Small Business?

    by Cameron Bramwell

    Workers’ Compensation 101 for Your Small Business 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/she will be reimbursed for lost wages […]

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  10. Eliminating Indoor Air Pollution

    by Cameron Bramwell

    Americans spend approximately 87 percent of their time indoors, according to the U.S. Department of Energy. Since air circulation is often restricted inside, it is speculated that indoor pollutants are far worse for humans than poor outdoor air quality. In fact, the U.S. Department of Energy claims that indoor pollutant levels are potentially 100 times […]

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