Industry News
Four RCFE Operational Breakdowns That Turn into Claims
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
In Residential Care Facilities for the Elderly (RCFE), most claims do not start with just one huge mistake. They usually begin with small breakdowns that get repeated and eventually one incident turns into a complaint, a licensing issue, or a lawsuit. In my experience working with RCFEs, there are several areas that tend to lead to claims.
Kidnap, Ransom & Extortion Insurance: A Board-Recruitment Advantage for Nonprofit
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
High-caliber directors—retired Fortune 500 leaders, public figures with reputational exposure do not join boards on faith. They review bylaws and audited financials, D&O policies and look for a solid approach to managing risk.
The Value of Safety Committees in Human Services Organizations
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Human services organizations operate in challenging environments. Staff regularly work in close contact with individuals who may have physical, cognitive, or behavioral needs. This can involve lifting and transferring clients, managing unpredictable situations, or navigating unfamiliar environments. National data from the Bureau of Labor Statistics (BLS) shows that these situations elevate the risk of workplace injuries.
Avoid Surprise Premium Increases by Collecting Subcontractor Insurance Certificates
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
In the nonprofit world, every dollar matters. Whether you are running community programs, providing housing, or supporting individuals with disabilities, it is important to keep operating costs predictable and under control. There is one area where we are seeing many nonprofits get blindsided during workers’ compensation audits and it often leads to unexpected premium increases.
Steps to Prevent Social Engineering Fraud
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Social engineering fraud is when cybercriminals impersonate a trusted individual to manipulate others into performing actions such as making wire transfers, sharing confidential information, or granting access to their systems. It is often confused with hacking, but the two are fundamentally different. Hacking involves identifying vulnerabilities in software to breach a system, where as social engineering fraud relies on impersonation and manipulation to trick individuals into helping the cybercriminal.
How Healthcare Staffing Agencies Can Prevent Claims
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Healthcare staffing agencies play a vital role in maintaining patient care standards. That is why it is critical for staffing agencies’ employees to be properly vetted, kept informed, and trained prior to being placed to reduce the likelihood of claims. Preventing such claims requires a collaboration between the healthcare staffing agency and the facility where employees are being placed. Healthcare staffing agencies can take steps to prevent claims and protect their operations.
Understanding Why Your Building’s Leaky Roof Claim Might Be Denied
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Leaky roofs can be a major headache for commercial property owners, often leading to significant damage and costly repairs. Understanding how insurance policies respond to these situations is crucial in navigating the claims process.
Building an Effective Renewal Submission in a Hard Market
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Insurance renewals can be challenging for nonprofits, especially in the hard market of 2024, characterized by higher premiums, stricter underwriting, and reduced coverage from insurance carriers. Leaning on your insurance broker as the quarterback, a well-prepared submission can significantly impact the outcome of your insurance renewal, potentially leading to better terms and lower premiums. Nonprofits can work effectively with their insurance broker to build a comprehensive submission using the following strategies.
The Critical Importance of Nonprofit Executive Transition Planning
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
In the world of nonprofit management, the departure of an executive director can cause a time of uncertainty. This kind of challenge is why all nonprofits need a well-crafted executive transition plan. This plan is not just a roadmap for navigating the change in leadership but a tool for sustaining and growing the nonprofit's mission. In this article, we will dive into the importance of having an executive transition plan, the key components that make up an effective plan, and the benefits it brings to the nonprofit sector.
The Final Chapter: Addressing Training, Access and Recordkeeping in the IIPP
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
In this third installment of exploring an Injury and Illness Prevention Program (IIPP), we will be taking a closer look at: Providing employee training and instruction, procedures to allow employee access to the program, and recordkeeping and documentation.
Identifying Proper Procedures for the Injury and Illness Prevention Program
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
In this second installment of exploring an Injury and Illness Prevention Program (IIPP) we will be taking a closer look at the procedures for identifying and evaluating workplace hazards, investigating occupational injury or illnesses, and correcting unsafe or unhealthy conditions, work practices and procedures.
Breaking Down the First Few Components of the IIPP
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Building upon Sam Brown’s article “Guidance for Developing an Effective Injury and Illness Prevention Program” (IIPP), I would like to delve further into some of the key components of an IIPP. In this first installment, I will explore assigning the right person to create the IIPP, compliance with safety regulations, and effective communication.
Directors & Officers Liability Series: Side A Defense Costs & Settlements
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
While an insurance agent must continually stay abreast of industry trends and market conditions, it’s equally important to educate clients on the enforce insurance policies. As a non-profit focused insurance agency, Rancho Mesa is accustomed to having important conversations with clients regarding Directors & Officers Liability insurance (D&O).
NIAC Reimbursing for Damage to Employees Personal Vehicles
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Many employees of non-profit organizations use their personal vehicles while performing work-related duties. Following an auto accident, the employee’s personal auto insurance will respond to a third party liability claim. Only once those policy limits are exhausted will the organization’s non-owned auto liability coverage respond.
Retaining Non-Profit Employees in Vital Service Roles
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Employees and volunteers are the heart of non-profits. Without them, non-profits would never have a chance to fulfill their missions. They are the organizations who communities rely on for support.
CA Insurance Bureau Recommends 7.6% Rate Increase
Author, Jack Marrs, Associate Account Executive, Human Services Group, Rancho Mesa Insurance Services, Inc.
The Workers’ Compensation Insurance Rating Bureau of California (WCIRB) voted to submit a September 1, 2022 Pure Premium Rate Filing to California’s Insurance Commissioner Lara.
Preventing Stress Claims
Author, Jack Marrs, Associate Account Executive, Human Services Group, Rancho Mesa Insurance Services, Inc.
Specializing in non-profit insurance has opened my eyes to how difficult it is for some non-profit employees to deal with the stress related to their jobs. It’s the nature of the work. Helping people through difficult situations can be rewarding for an employee, but it can also be emotionally draining when they become invested in their clients to the point where it can lead to burnout.
Timely Reporting of Workers’ Compensation Claims Lower Overall Costs
Author, Jack Marrs, Associate Account Executive, Rancho Mesa Insurance Services, Inc.
Leading into 2022, it is important for employers to examine their workplace injury reporting practices. Specifically, employers should report all injuries including medical-only workplace injuries to their workers’ compensation insurance company. Best practices dictate all claims should be reported within the first 24 hours in order to improve treatment to the injured worker and reduce the overall cost of the claim to the employer.