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Ridgemark Insurance Services
As Construction Rebounds, Double Down on Safety
Employment in the construction industry is surging as pent-up demand means that more homes are being built at a brisk pace. But this new growth in housing has come at a price for those working in the industry: a significant jump in construction workplace deaths and...
Report: Most Small Businesses Are Underinsured
It is good news that small businesses are thriving, with many of them enjoying growing sales over the last two years. The bad news is that their insurance protection has not kept pace, according to a recent report. That means an accidental loss could undo all the...
Workplace Violence Prevention Bill Signed into Law
Gov. Gavin Newsom has signed into law a measure that will require nearly every employer in California to have in place a workplace violence prevention plan. The expansive new law, which takes effect July 1, 2024, will require any company with at least one worker to...
Stressed, Burned Out Workers May Compromise Safety
Americans are working longer hours and facing more demands for productivity, leading to stress and burnout, which in turn can affect workplace safety, according to risk management experts. Understaffing plays a part in this, they found. When workers are stressed or...
Workplace Violence Prevention Bill Signed into Law
Gov. Gavin Newsom has signed into law a measure that will require nearly every employer in California to have in place a workplace violence prevention plan. The expansive new law, which takes effect July 1, 2024, will require any company with at least one worker to...
Failing to Check a Driver’s Clearinghouse Record Can Leave Your Company Exposed
Fleet operators face an increased risk of potential liability if they are not diligent about checking their drivers' moving violation records with the state Department of Motor Vehicles in addition to the Federal Motor Carrier Safety Administration's Drug and Alcohol...
Pay Attention to Exclusions in Cyber Insurance Policies
While cyber threats grow and the cyber insurance market evolves, insurers are regularly adjusting their policy terms and conditions in response to new threats and exposure. Carriers have amassed nearly a decade's worth of data and are getting more stringent about...
New Law Expands Paid Sick Leave for California Workers
Gov. Gavin Newsom has signed legislation that will increase the amount of paid sick leave days California workers are eligible for. The law, SB 616, will expand the minimum number of paid sick leave days that employers are required to provide to five days (40 hours)...
Fifteen Warning Signs of Workers’ Comp Fraud
Workers' compensation fraud costs the insurance industry roughly $5 billion each year, according to estimates by the National Insurance Crime Bureau. Depending on whom you ask, fraud accounts for as much as 10% of the costs of all workers' comp claims. This type of...
Bills Would Expand Paid Time Off, Who Can Take Family Leave
Two bills wending their way through the state Legislature would increase the amount of sick days workers in the Golden State can take as well as expand — once again — the definition of "family" for the purposes of paid family leave. Business groups have come out...