Ransomware is a type of computer malware that limits or prevents data access. It either locks the system's screen or locks user files until the victim pays a ransom to the cyber criminals. A 2016 study by Osterman Research found ransomware attacks most prevalent among financial...
Workers’ compensation claims continue to rise annually, as they have for the past 20 years. However, premiums have not kept pace with the increasing demand. Even though California rates rose, overall declining rates are cause for concern. A.M. Best issued a special report on workers’ comp...
Generally, workers’ compensation benefits do not cover injuries unless they happen “in the course and scope of employment.” Consequently, workers’ compensation insurance doesn’t normally cover an employee while they commute to and from work. However, several exceptions exist and in a few recent cases they’ve...
Choosing a workers’ compensation third party administrator is an important decision. It is complex work, but a good administrator can promote efficiency and streamline workers’ compensation costs. A poor one can bog down the process, gobble up time unnecessarily, and increase risk. If you’re searching for...
Businesses that create a safer workplace often have a lower Experience Modification Rate, or EMR. A lower EMR usually means lower Workers’ Compensation premiums and an improved perception of your company. The following is a brief explanation regarding EMR calculations, the factors that can impact them,...