Author Archives: Clark

Cyber Risks & Liabilities: Complying with HIPAA

By | April 25, 2014

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) addresses the privacy of individuals’ health information by establishing a federal standard concerning the privacy of health information and how it can be used and disclosed. Background As health care institutions began storing larger volumes of private health data digitally, the need to protect this […]

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Cyber Risks & Liabilities: Defining, Identifying, and Limiting Cyber Crime

By | April 25, 2014

A vast amount of information is now stored on computer servers and databases, and it’s growing every day. Because that information has great value, hackers are constantly looking for ways to steal or destroy it. Cyber crime is one of the fastest growing areas of criminal activity. It can be defined as any crime where: […]

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Cyber Risks & Liability: Basic Loss Control Techniques

By | April 25, 2014

Protecting your business from cyber risks can be an overwhelming venture. A new day means more viruses are being discovered, more spam is being delivered to your inbox and yet another well-known company is the victim of a data breach.   The world will never be free of cyber risks, but there are many loss […]

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Construction Risk Insights: Providing Safety for Women in Construction

By | April 22, 2014

As increasing numbers of women enter the construction trades, concerns about their health and safety are growing. In addition to the primary safety and health hazards faced by all construction workers, there are safety and health issues specific to female construction workers. The small percentage of females within the construction trades and the serious health […]

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Construction Risk Insights: Job-made Wooden Ladders

By | April 22, 2014

Workers who use job-made wooden ladders risk permanent injury or death from falls and electrocutions. By understanding the hazards that workers are likely to encounter while working on job-made wooden ladders, employers can take steps to reduce injuries through proper training. What is a Job-made Wooden Ladder? A job-made wooden ladder is a ladder built […]

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Work Comp Insights: The Defense Base Act

By | April 22, 2014

The Defense Base Act (DBA) was established in 1941 to protect workers on military bases outside the United States. Overseas federal military and public works contractors are subject to the same workers’ compensation rules—including the same insurance requirements and schedules of benefits for affected workers—as maritime firms covered by the Longshore and Harbor Workers’ Compensation […]

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Work Comp Insights: What’s Driving Your Mod?

By | April 22, 2014

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 […]

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Work Comp Insights: Five Steps to Reducing Workers’ Compensation Costs

By | April 22, 2014

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key to spending fewer dollars is more than just stopping a few accidents; it is having a sound safety program designed to continuously improve. This is where a safety program that, at […]

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Trucking Risk Insights: Medical Certification Requirements for CDL Drivers

By | April 22, 2014

The Federal Motor Carrier Safety Administration (FMCSA) issued a rule change in the hopes of removing unfit commercial truck and bus drivers from the roadways. According to businessinsurance.com, this change came after the release of a Government Accountability Office (GAO) report, which found that, in just over a year’s time, 563,000 commercial drivers’ licenses had […]

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Trucking Safety Matters: Protect Against Hand Injuries

By | April 22, 2014

Of the many tools that we have available, our hands are the most valuable. They provide us with the dexterity necessary to perform precise maneuvers that even the most advanced technology cannot replicate. Even the simplest tasks are difficult for a person that does not have full use of his or her hands. Hand injuries […]

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