News

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Should Union Janitorial Employers have a lower Workers’ Compensation rate than Non-Union Employers?

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Author Jeremy Hoolihan, CRIS, Janitorial Group Leader Rancho Mesa Insurance Services, Inc.

A recent study by the Commission on Health, Safety and Workers’ Compensation made an argument that the janitorial industry should be split into two workers’ compensation class codes.  This change would be similar to how many construction operations field class codes are separated between an over and under dollar amount per hourly wage.   As an example, an electrical contractor’s field wages are split at over and under $30/hour.

Closing the "Gaps in Coverage" When Using Temporary or Leased Labor

Author, Dave Garcia, AAI, CRIS,  is the President and CEO of Rancho Mesa Insurance Services, Inc. 

It has become more common for construction companies to use temporary or leased labor in order to meet the demands of their work.  While this is a useful tool it can create some unintended gaps in coverage for the contractor hiring the temporary or leased labor. These gaps potentially exist for on-the-job injury claims suffered by the temporary or leased workers. 

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Why are hand injuries the most frequent claim reported in the Landscape Industry?

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Author, Drew Garcia, with Rancho Mesa Insurance Services, is the program director for NALP’s Worker’s Compensation Program. 

The landscape industry experiences frequent hand, wrist and finger injuries - they're three most frequent types of Workers Compensation claims.  Employees complain their personal protection equipment (i.e., gloves) limit dexterity, prohibiting finger movement, causing difficulty in performing their jobs.  As a result, employees remove their safety gloves to perform their job-related activities, and experience hand, wrist and finger injuries.

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4 Factors That Shape Your Insurance Risk Profile

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Author, Drew Garcia, with Rancho Mesa Insurance Services, is the program director for NALP’s Worker’s Compensation Program. 

Ever wonder why your insurance rates high when your competitors are low? There are reasons for that including, frequency of claims, severity of claims, experience rating, average claim cost incurred, operations, trends, loss ratio etc. If you evaluate your risk profile you can take action to lower your premiums.

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Rancho Mesa “Rocks” the Landscape Industry

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Author, Drew Garcia, NALP Program Director, Rancho Mesa Insurance Services, Inc.

On March 1st 2017 Rancho Mesa Insurance Services, Inc., The National Association of Landscape Professionals, and Berkshire Hathaway Homestate Companies will introduce a unique National Workers Compensation solution designed to cater the needs of Landscape Contractors and Lawn Care Professionals. 

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W-2 Phishing Scam – New Potential Risk to Nonprofits – Be Aware!!

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There has been a recent increase in attempts of a phishing scams involving W2s in nonprofit, schools and other human services organizations.  We caution any business, but particularity organizations in these sectors to be very cautious if they receive any emails requesting information regarding W2’s, earning summaries or any other employee sensitive information.  In many cases these emails look like they originate from a high level employee and are sent to other high level, human resources or payroll department employees.

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Court Case Endangers State Workers' Comp System

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The California Chamber of Commerce recently filed a friend-of-the-court brief in a California Supreme Court case that will determine whether doctors who review workers' comp cases can be sued for certain medical decisions. 

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