Maintain a State of Zen with your Health Benefits Plan

 Now more than ever, a strong employee benefits program is vital to your business as a way of attracting and retaining talent. By offering quality...


8 Reasons to Purchase Employment Practices Liability Insurance

Claims related to the management of employees are at an all time high and yet most employers remain uninsured.  Here are 8 important reasons to...


How to Complete your OSHA required -300 Log

It’s that time of the year! OSHA requires that employers post the summary of their OSHA 300 log from 02/01 until 04/30 of the previous year.   And...


CROS (Clinical Research Organizations)- Most Common Types of Uninsured Claims

Clinical Research Organizations (CROs) may be engaged by the life science companies to conduct a variety of services from developing study protocols to...


Cumulative Trauma Work Comp Claims Disrupting Your Workplace

It hurts to write this article. Cumulative trauma (CT) claims are wrecking the California work comp system. Nearly every litigated work comp claim has...


Smartphone Inspection App for businesses

3 Risk & Insurance Services today announced the launch of a new smartphone technology for businesses to use in documenting inspections.  The app is...


Showdown- California Vs 1099 Contractors

A recent California Superior Court decision vs. Dynamex Operations West, Inc. puts a tremendous burden of proof on employers in two ways:


The #1 Reason Unexpected costs occur with Employee Benefits

Problem: A financial loss is sustained because insurance premiums continue to be paid on an employee who had been terminated.  In this case, the...


CA Workers' Compensation- State of the Union

Each year the California Workers Compensation Insurance Rating Bureau (WCIRB) publishes a lengthy report that summarizes insurer data and actuary...


Insuring Clinical Trials 101

Your company is about to embark on a clinical trial.   Insuring this exposure is unique and a bit more complex than your typical insurance.  The...