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Ridgemark Insurance Services
Keeping it Safe, and Limiting Liability During Holidays
With year-end festivities about to begin, you should include safety into your holiday plans, be that if you are simply decorating the office or throwing a holiday/year-end party for your staff. While you obviously want your staff to relax and have fun at your holiday...
Preventing Substance Abuse in the Workplace
Drug and alcohol use by employees on or off the job is a troublesome societal plague that has put many employers on the defensive. Research by the U.S. Department of Labor shows that between 10% and 20% of the nation's workers who die on the job test positive for...
How to Rebuild on Time After a Commercial Property Claim
For businesses that suffer property damage, getting repairs or rebuilding completed on time and within budget is becoming an uphill battle. A mix of inflation, supply chain challenges leading to material shortages, a tight construction labor market and the inherent...
Compliance Alert: New Law Expands Protected Paid, Unpaid Leave
California employers have new compliance challenges because of a law that further broadens the circumstances under which employees can take protected paid and unpaid leave. AB 406, which took effect Oct. 1, 2025, expands on last year's revisions to the state's paid...
New AI-in-Hiring Rules Are in Effect: What You Need to Know
Starting Oct. 1, 2025, any California employer that uses artificial intelligence and other automated tools in recruiting, hiring, promotion and related human resources decisions will have to ensure that the tools don't discriminate against protected classes. The new...
Workplace Incivility, Violence Costing Businesses Billions
American workplaces are facing a growing civility crisis that is costing companies dearly. According to new research from the Society for Human Resource Management (SHRM), rudeness and discourteous behavior are costing U.S. businesses an estimated $2.1 billion every...
Liability, Large Court Verdicts Drive Commercial Auto Insurance Price Surge
Commercial auto insurance companies continue to post steep losses for liabilities like third-party injuries and property damage, which is driving continued rate hikes for businesses, particularly fleet operators, according to a new report from A.M. Best. The line...
Seven Steps to a Successful Open Enrollment
If you view annual open enrollment as a simple box-checking exercise, you're likely missing out on helping your staff get the most out of the benefits you provide. Instead, if you approach open enrollment as a chance to strengthen employee engagement, control costs...
New Rules May Coax More Insurers Back into California Market
In an effort to bring more insurers back into California's homeowner's and commercial property insurance market, the state Department of Insurance (DOI) has approved a system that will allow insurers to use forward-looking wildfire risk models to price policies in...
The Five Most Common Types of Employee Fraud, Theft
At some point, the odds are that a company will be affected by some form of employee theft or outright fraud. Fraud can severely crimp a company's finances and put the firm in a serious bind if the theft is large enough. With technology, fraud has in some ways become...