Risk Management
By SIA Group | 🕒 4 min read | Published July 9th, 2025 The first 24 hours after a workplace injury can define the entire workers’ compensation journey—for the employee and for your organization. Acting quickly limits claim costs, keeps you OSHA-compliant, and supports your injured worker’s recovery. Follow these three proven steps to turn a potentially…
Managing Commercial Fleet Maintenance and Repair Costs: Trends, Strategies, and Insurance Benefits Fleet maintenance is a critical responsibility for businesses that rely on vehicles to support their operations. However, rising costs driven by inflation, supply chain disruptions, and evolving vehicle technology have made keeping fleets in optimal condition increasingly challenging. Despite these obstacles, maintaining safe…
February is American Heart Month, a time to focus on cardiovascular health and raise awareness about heart disease, the leading cause of death for both men and women in the United States. By understanding the risks, taking preventive steps, and using available resources, we can work together to improve heart health nationwide. Heart Disease by…
On Nov. 15, 2024, the U.S. District Court for the Eastern District of Texas vacated the Department of Labor’s (DOL) final rule amending the overtime exemption requirements under the Fair Labor Standards Act (FLSA). This ruling reverses the rule’s nationwide salary increases, restoring the pre-July 2024 thresholds. Background The FLSA exempts certain white-collar employees in…
About 1 in 10 adults experience worsening memory loss or cognitive decline, according to the U.S. Centers for Disease Control and Prevention. Dementias start with mild memory loss and can lead to an inability to carry on conversations or respond to one’s environment. Improving your brain health can help you stay sharp as you age.…
Commercial property and casualty insurance premiums rose by an average of 5.1% in Q3 2024, with umbrella pricing showing an uptick amid rate moderation in most other lines, according to the Council of Insurance Agents & Brokers (CIAB). Market conditions for Q3 held steady from the previous quarter, CIAB noted in its latest report, with…
Many drivers don’t realize how much their credit score can impact car insurance premiums. In most states, insurers use your credit score to help determine your rates, and even a small change in your score can lead to significant fluctuations in your premium. However, three states—California, Massachusetts, and Hawaii—have banned the use of credit scores…
The Occupational Safety and Health Administration (OSHA) has recently taken a significant step towards enhancing workplace safety by publishing a notice of proposed rulemaking in the Federal Register regarding heat injury and illness prevention. If finalized, this new standard would represent the first federal regulation specifically aimed at safeguarding workers from extreme heat, affecting all…
More than three-quarters of the homes hardest hit by Hurricane Debby were located outside federal flood zones, meaning they weren’t required to carry flood insurance. Since standard homeowners insurance doesn’t cover flooding, uninsured damages from the storm could reach up to $12.6 billion, according to an analysis by the First Street Foundation. Hurricane Debby made…
What is an Experience Modification Worksheet? An experience modification worksheet, also known as an experience rating worksheet or experience mod worksheet, is essential for determining a company’s EMR. This worksheet helps employers and insurers evaluate and manage workplace safety, resulting in fair insurance premiums and safer work environments. Understanding the Experience Modification Rating (EMR) An…