EEOC Guidelines for COVID Testing of Workers

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As businesses reopen, they must take stringent measures to keep workers and customers safe from the coronavirus. Common efforts might include signage to promote social distancing and the use of masks and sneeze guards – but some employers may be wondering whether they should also use testing.

Although virus testing seems like one of the most efficient ways to control the virus, it also brings up legal complications. Here’s what the U.S. Equal Employment Opportunity Commission (EEOC) advises.

The ADA Still Applies

The pandemic does not grant employers license to ignore the ADA or other anti-discrimination laws. However, the EEOC explains that employers should follow CDC guidelines for workplace safety.

Certain safety measures should be taken in light of the pandemic. According to the EEOC:

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COVID-19 Safety Resources for the Nonprofit Sector

The coronavirus pandemic has not stopped the need for nonprofit services. Although some nonprofit organizations have been forced to suspend operations to comply with stay-at-home orders, others provide essential services that are critically needed right now. For these organizations, there are many new challenges.
Determining What’s Essential
Under state-issued stay-at-home orders, people are only supposed to leave their homes for essential activities. Whether a nonprofit is considered essential will depend on the services it provides.
In California, the list of essential workers is long, and it includes many workers in the healthcare sector. Caregivers, behavioral health workers, and workers at blood banks are all among those labeled essential. Food banks are also labeled essential – and they may be more essential than ever. Food bank demand has surged as people struggle with school closures and unemployment because of coronavirus.
Nonprofit organizations should check with their state, county, and city to determine whether they are considered essential under relevant stay-at-home orders.
Volunteer and Funding Shortages
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Heffernan Insurance | Website
M. Brant Watson
Senior Vice President
Heffernan Insurance Broker
Office 800-234-6787

Risk Management

Risk Management

Welcome, we provide periodic emails witch includes training short(s) The COVID-19 Coronavirus is having a major impact on organizations throughout the world. During this challenging and uncertain time, we are here to support you, now more than ever.

New & Updated Training Courses
The following courses have been updated in the Risk Management Center:
  • Valley Fever Training Short (updated – California construction employees affected by AB 203 must train employees by May 1, 2020)
  • Personal Protective Equipment Awareness (formerly called Personal Protective Equipment Training for Employees)
  • Anti-Harassment for Connecticut Managers (this training meets the 2 hour requirement and complies with SB3)
  • Exempt vs. Non-Exempt Classification (complies with the new 2020 Fair Labor Standards Act)
HR Regulatory Content
We’ve rounded up the latest HR-related state regulatory content (not related to COVID-19) you need to know for April and May. Check the state regulatory updates.
Learn more about the Risk Management Center, a unique web-based software suite of safety and risk management tools designed to empower your organization’s risk prevention efforts. The Risk Management Center is right for any organization that wants to.

You’ll learn:

  • Proactively manage risk exposures
  • Develop effective workplace safety programs
  • Reduce claims, losses, and associated costs
For more information Just Contact me.
M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
Office 800-234-6787
Mobile  925-330-1151

IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave Under the Families First Coronavirus Response Act

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Small and midsize employers may begin using two new refundable payroll tax credits to obtain reimbursement for the costs of providing coronavirus-related leave to their employees, the U.S. Department of Labor (DOL) and Internal Revenue Service (IRS) announced on March 20, 2020.

This relief is provided under the Families First Coronavirus Response Act (the Act), which was enacted on March 18, 2020. The Act provides funds for employers with fewer than 500 employees to provide paid leave, either for their employees’ own health needs or to care for their family members. The Act aims to help employers keep workers on their payrolls while ensuring that workers are not forced to choose between their paychecks and the public health measures needed to combat the coronavirus (COVID-19).

Highlights of the Families First Coronavirus Response Act

Paid Leave Requirements

The federal coronavirus relief law requires employers to provide paid sick and family leave for COVID-19-related reasons, including lack of child care.

Employer Tax Credits

Eligible employers may claim two tax credits based on the COVID-19-related paid leave that they provide between April 2 and Dec. 31, 2020.

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brant-watson

M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
D:  (925) 295-2506
M:  (925) 330-1151
Email brantw@heffins.com

How Employers Can Help Fight Opioid Addiction

Opioid addiction has reached a crisis point, and the impact is reaching workplaces around the country. According to the National Institute for Occupational Safety:

  • Opioids killed more than 47,600 people in the U.S. in 2017.
  • Two-thirds of self-reported illicit opioid users were employed either full or part time.
  • In 2017, 272 overdose deaths occurred in the workplace, a 25 percent increase from 2013. This accounts for 5.3 percent of all occupational injury deaths.
  • Workers with substance use disorder miss 14.8 days each year on average, and workers with pain medication use disorder miss 29 days on average. For most employees, the average number of missed days is only 10.5.
The Causes of Addiction      Read More 

Want more information contact me.
Best Regards,
M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
D: (925) 295-2506
M: (925) 330-1151

Life Insurance for Every Life Phase

family-life

Life insurance is an important financial planning tool – but it’s not actually one single tool. There are many different types of life insurance, and they have different advantages and disadvantages. What works well for you in one phase of life may not be the most suitable option in another phase. As your needs change, your coverage may need to be updated.

Life Insurance for Children

Buying life insurance for children can seem strange at first, but there are some practical benefits. Sometimes people (often the grandparents) purchase permanent life insurance for a young child. While this policy could cover funeral expenses if the child were to pass away, this is not generally the primary intention.

A permanent life insurance policy, such as whole or universal life insurance, can last for the entire length of the insured’s life, as long as the premiums are kept up with, and purchasing one early can lock in good rates. These policies also accumulate a cash value that can be borrowed or withdrawn for any purpose. If the policy is purchased for a very young child, it will have time to accumulate a cash value as the child matures, and the cash value may be used for any purpose, such as paying for college or putting a down payment on a first home.

Life Insurance for Young Adults and New Parents

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Five New Resolutions for Better Employee Safety (and how to actually keep them!)

2020-pink

With a New Year and a new decade kicking off, it’s time to reflect on where we’ve been, where we’re headed, and how to improve ourselves in the coming years.

Sound familiar? It’s always the same with New Year’s resolutions. Lose weight. Eat healthier. Work smarter. We have the best of intentions. Still, study after study shows that most of us never keep these resolutions. Many of you have already abandoned on yours.

But when you resolve to improve safety in your business, you can’t afford to give up.

According to the U.S. Bureau of Labor Statistics, 5,250 workers died on the job in 2018. That’s an average of more than 100 a week, or more than 14 deaths every day. Can you make your business a safer place? Here are five New Year’s resolutions for creating a safer work environment, along with some tips on how to actually keep them.

  1. Conduct an honest assessment. Take a hard, honest look at your operation to identify all safety risks. Check equipment such as fire extinguishers and personal protective gear. Thoroughly review records of safety violations, accidents, injuries, fatalities, and claim trends. Find out exactly where you are and what needs to be improved.
  2. Create a doable to do list. If you try to fix everything at once, you risk getting bogged down in a black hole of to-dos that never get done. Start by creating a short list of practical action items to achieve in the current year such as scheduling regular safety meetings.
  3. Improve communication. Have you created an environment in which every employee feels comfortable voicing concerns to managers about safety issues? If not, make it a goal. Open, robust communication is an essential component for any safety program.
  4. Turn near misses into opportunities. Near miss incidents are indications that something is wrong. Don’t sweep them under the rug. Learn from them so you can fix whatever caused them. If you don’t, the next incident might be a serious accident, injury, or even fatality.
  5. Take advantage of free resources. You don’t have to go it alone when it comes to implementing effective safety measures. There are many helpful resources available such as OSHA’s Recommended Practices for Safety and Health Programs. Your insurance advisor is also a great resource for risk management advice.

Once you’ve made these resolutions, how do you keep them from going the way of most New Year’s resolutions? Here are a few tips:      READ More 

Your nonprofit has an important mission to carry out.


Making a Difference

Your nonprofit has an important mission to carry out. Every dollar you spend either supports or depletes your ability to serve. Most organizations work with a limited budget, but all face exposures and risk management challenges that need to be met. In short, you need a broker experienced in nonprofit insurance with your mission in mind.
Heffernan’s Nonprofit Practice cares about your mission and understands your unique insurance needs. Serving more than 4,000 nonprofit clients nationwide, Nonprofits Insurance CHOICE is a division of Heffernan Insurance Brokers offering exclusive products and services not available through any other agency. Our alliances with nonprofit-focused insurers are among the best in the industry, ensuring you have access to the best programs and the most competitive prices.
Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology. With ten branch offices coast-to-coast and approximately 450 staff, Heffernan’s reach spans virtually every industry.
M. Brant Watson| (925) 330-1151 |E-mail | Website

Heffernan Insurance Brokers Acquires Henderson Insurance

WALNUT CREEK, Calif.Dec. 17, 2019 /PRNewswire/ — Heffernan Insurance Brokers, one of the largest full-service, independent insurance brokerage firms in the United States, has acquired Henderson Insurance. The firm has purchased the assets of the Newport Beach-based Henderson to join HeffDirect, a division of Heffernan Insurance Brokers, effective December 1, 2019Scott HendersonLaura HendersonJackie SmithJulie Nii, and Eric Manzo have all joined Heffernan’s operations.

Heffernan Insurance Brokers logo (PRNewsFoto/Heffernan Insurance Brokers)

With over 47 years of dry cleaner and laundry insurance expertise, Henderson has a strong background and understanding of the industry’s insurance needs.  This specialized expertise will be a pronounced enhancement to Heffernan’s niche practices.

“Henderson’s unique skillset and knowledge of the dry cleaning and laundry industry will be a great addition to the team,” said F. Michael Heffernan, President and CEO of Heffernan Insurance Brokers. “We’re looking forward to expanding our niche practices and our future together.”

“47 years ago we started by insuring the single-location cleaner,” said Scott Henderson, President of Henderson Insurance.  “Since then, cleaners and laundries have evolved into sophisticated, multi-location enterprises with complicated insurance needs.  Heffernan gives us broad policy offerings to allow us to fully serve the insurance needs of every cleaner and laundry, regardless of size.  And the acquisition allows us to expand from serving cleaners and laundries in only seven states to being able to serve them anywhere in the country.”

About Heffernan Insurance Brokers
Heffernan Insurance Brokers, formed in 1988, is one of the largest independent insurance brokerage firms in the United States. Heffernan provides insurance and financial services products to a range of businesses and individuals. Headquartered in Walnut Creek, Calif., Heffernan has offices in San FranciscoPetalumaMenlo ParkLos Angeles and Irvine, CAPortland, ORSt. Louis, MO and Phoenix, AZ.

Employee-owned, Heffernan Insurance Brokers was named the Top Mid-Sized Broker in the United States to work for in 2009 by Business Insurance Magazine. The firm has been among the Top Greater Bay Area Philanthropists since 2003, donating more than 13 percent of profits to charity in 2015.

For more information, visit www.heffins.com.
License #0564249

SOURCE Heffernan Insurance Brokers

Insurance for healthcare providers

nurse helping elderly man (1)

Growth. Disruption. Innovation. Times are changing in health care. Are your insurance and risk management programs keeping up?

With health care reform, a booming older population, industry consolidation, cyber risk, and evolving technology, there are a lot of exposures to consider in the health care industry. While change is good, it can create coverage gaps, oversights, and new exposures not considered by last year’s insurance.
Just contact me and we can review. It will only take a few minutes. 


Brant Watson
Senior Vice President
Heffernan Insurance Brokers           
800-234-6787     925-330-1151 Mobile       

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