Sanford & Tatum Blog
All You Ever Wanted to Know About Insurance
NCCI Experience Modification Factor 2024 Changes FAQs
Thursday, November 30, 2023
NCCI Experience Modification Factor 2024 Changes FAQs - The National Council on Compensation Insurance (NCCI) is making alterations to its experience modification factor for 2024. These changes are slated to go into...
Work Comp Insights: Reading an Experience Modification Worksheet
Wednesday, October 25, 2023
How to Read an Experience Modification Worksheet - An experience modification worksheet, often referred to as an experience rating worksheet or experience mod worksheet, is important in workers’ compensation insurance....
Work Comp Insights: Interstate vs. Intrastate Experience Modification Rating
Monday, October 23, 2023
Interstate vs. Intrastate Experience Modification Rating - An experience modification rating (EMR) is a numerical indicator crucial in workers’ compensation insurance. It quantifies an employer’s workplace safety and...
Work Comp Insights: Disciplining or Terminating Employees With Open Workers’ Compensation Claims
Tuesday, February 14, 2023
Can an employer discipline or terminate an employee who has an open workers’ compensation claim? This is a common question that many employers ask. The answer depends on which state the company is located in, why the...
Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs
Tuesday, September 20, 2022
Five Strategies for Reducing Workers’ Compensation Costs - When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and...
2023
December
November
- NCCI Experience Modification Factor 2024 Changes FAQs
- Risk Insights: Understanding, Preventing and Mitigating Workplace Violence
- Understanding Protective Safeguards Endorsements (PSEs)
- EEOC Opens EEO-1 Reporting Portal for 2022 Workforce Data
- Cyber Risks & Liability: MGM Cyberattack Emphasizes Need for Layered Digital Defenses
- News Brief: Q2 P&C Industry Combined Ratio, Net Income at Worst Levels Since 2011
- Live Well, Work Well - November 2023
- Mental Health Minute - November 2023
October
- HR Insights: Preparing for the Fall and Winter Virus Season
- Know Your Insurance: Auto Liability
- Work Comp Insights: Reading an Experience Modification Worksheet
- Risk Insights: AI + Employment Decision
- Work Comp Insights: Interstate vs. Intrastate Experience Modification Rating
- Coverage Insights: Commercial Property
- Safety Matters: Driving Tips
- Think Well, Be Well: Sleep + Mental Health
- News Brief: EEOC Significantly Increased Discrimination Lawsuits in FY 2023
- Risk Insights: Board Orientation
- News Brief: U.S. Sets Record for Billion-dollar Weather and Climate Disasters in 2023
- Cyber Update: MGM Cyberattack Emphasizes Need for Layered Defenses
- Live Well, Work Well - October 2023
- Mental Health Minute - October 2023
September
- Know Your Insurance: Home Premiums
- Compliance Overview: Open Enrollment 2024 – Health Savings Accounts (HSAs)
- Legal Update: SEC Adopts Final Rules for Public Companies’ Cybersecurity Disclosures
- Know Your Insurance: Replacement Cost vs. Actual Cash Value
- Benefits Insights: Educating Young Employees on Open Enrollment
- Safety Matters: Construction + Extreme Heat
- Coverage Insights: Professional Liability Insurance Trends in the Legal Sector
- Mental Health Minute - September
- Live Well, Work Well - September 2023
August
- Legal Update: Workplace Violence Poster Required in Texas
- Cyber Update: Average Data Breach Costs $4.4M
- Cyber Liability: The Value of Cyber Insurance
- News Brief - June Hailstorms Across U.S. Caused an Estimated $5.5B in Insured Losses
- Live Well, Work Well - August 2023
- 2023 Commercial Property Insurance Midyear Market Outlook
- Legal Update: New Form I-9 Available
July
May
April
March
February
January
2022
December
November
October
September
- Live Well, Work Well- October 2022
- Cyber Liability: The Importance of Two-factor Authentication
- Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs
- Coverage Insights: General Liability Exposures Every Organization Should Know
- Risk Insights: Understanding How Habits Work to Influence Safety
August
July
June
May
April
March
February
January
- Legal Update: OSHA Withdraws COVID-19 ETS, but Not the Proposed Permanent Rule
- Winter Safety: Driving
- Property Management Risk Insights: Winter Weather Liabilities
- Benefits Insights: 4 Strategies for Reducing Health Benefits Costs in 2022
- Legal Update: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate
- Legal Update: Agencies Issue Guidance on Coverage of OTC COVID-19 Tests
2021
December
- Live Well, Work Well - January 2022
- Legal Update: EEOC Issues New Guidance on COVID-19 and ADA Disability
- Legal Update: Court Reinstates OSHA Vaccination Mandate for Private Employers
- Auto Insights: Prepare Your Vehicle for Winter
- Safety Matters: Avoid Winter Slip-ups
- Know Your Insurance: Life Events that Affect Your Insurance Needs
- Compliance Overview: Employee Benefit Plan Limits for 2022
November
October
September
August
July
June
- Cyber Update: White House Issues Ransomware Prevention Guidance to Businesses
- Firework Safety
- OSHA's COVID-19 Healthcare Emergency Temporary Standard
- News Brief - Fatal Accidents Increased 7% in 2020, Despite Fewer Drivers
- Cyber Risks & Liabilities
- Health Care Claims May Surge in 2021
- Safety Matters - Avoid Heat Illness
- Cyber Security for Small Businesses
- EEOC Issues New FAQs on COVID-19 Vaccine Programs & Incentives
May
April
March
February
January
2020
December
November
October
September
August
July
- Family Medical Leave Act (FMLA) update July 2020
- Vaccination requirements could pit safety concerns vs. ADA, Title VII
- U.S. Department of Labor Publishes Frequently Asked Questions and Answers To Help Keep Workers Safe During the Coronavirus Pandemic
- Guidance for Suspected or Confirmed Cases of COVID-19 in the Workplace
June
May
- FMCSA Revises Hours of Service (HOS)
- HSA Limits Increase for 2021
- Did you know there are 11 new translations of OSHA's poster to help prevent workplace coronavirus exposure?
- Seven Steps to Correctly Wear a Respirator at Work
- Ten Steps All Workplaces Can Take to Reduce Risk of Exposure to Coronavirus
- Form I-9 Announcement and M-274 Employer Manual
- Dentistry Workers and Employers - Steps to Stay Safe
April
- Heat Illness Prevention
- Return to Work Resource Guide
- DOL Ends Temporary Non-Enforcement of Paid Leave Protections
- DOL Issues Alert to Help Keep Construction Workers Safe During the Coronavirus Pandemic
- Cyber Liability - Coronavirus and Remote Work Cyber Risks
- Pre-Employment Drug Testing for Furloughed Drivers
- Reopening a Business After the Coronavirus Shutdown: Things to consider as we look to the future
- Important Payroll Record Information from one of our Valued Insurance Partners
- DOL Regulations for Families First Coronavirus Response Act Update
- U.S. DEPARTMENT OF LABOR ISSUES GUIDANCE FOR RESPIRATORY PROTECTION DURING N95 SHORTAGE DUE TO COVID-19 PANDEMIC
- CARES Act - Small Business Loan Overview
- COVID-19-Related Tax Credits for Required Paid Leave Provided by Small and Midsize Businesses FAQs
March
- Department of Labor - Families First Coronavirus Response Act Posters
- Families First Coronavirus Response Act: Questions and Answers
- Families First Coronavirus Response Act
- IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave
- Coronavirus Paid Leave Bill Signed into Law
- Maintaining Mental Well-Being During a Quarantine
- COVID-19 vs Influenza
- Coronavirus Facts and Information
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