Author Archive | Guy Teafatiller

Are You Allowing The Work Comp Market To Select Who Represents You?

Each year around this time, nearly half of California businesses begin the renewal process on their workers compensation coverage. Usually, they send information out to almost any agent that contacts them, and hope to get competitive quotes from the various insurance companies these agents represent. The incumbent agent usually goes to market first and basically corners the market on every available […]

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HUGE NEWS WITH SB 863 – A REAL REFORM PACKAGE

Governor Jerry Brown is about to sign SB 863 into law sometime this week. This is a very good thing for both injured workers and employers. Previous attempts to reform the workers compensation system were relatively effective, but because of some ambiguity in the verbiage of the prior law, it was rendered somewhat obsolete by […]

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Hard Market News Blasts

The Workers’ Compensation wind has definitely changed direction in California. Here are a few headlines that have been seen lately and the short (and I mean very short) outlines by the Blogger: Experience Rating Plan Changes to Hit Ex Mods Starting January of 2013, the WCIRB is changing the weighted values on claims to make […]

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Benefits Triangulation Webinar Invitation

FREE WEBINAR HERE!! Are you sure your Workers’ Compensation policy is in line with your Group Health Policy? Do you know why they should be talking to one another? Are you aware of how FMLA and COBRA are connected to both of these coverages? Owners/Partners/Officers excluded under your work comp coverage? If you are unsure […]

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Is AB 2346 Legislation a Small Step to Disaster?

I smell smoke, so there may be a fire smoldering in the form of new legislation in California that is meant to protect farm laborers from Heat Illness. According to a news report, “Assemblywoman Betsy Butler (D-El Segundo) has just introduced a bill (AB 2346) she says will add teeth to the current California heat […]

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Officer Exclusions in Workers’ Compensation

I’ve noticed that most prospective workers’ comp clients who contact me have the officers of the corporation or the business owner excluded under their workers’ compensation coverage. I would like to make two cases against this practice. #1 If an officer is excluded from work comp, it means exactly that, they are excluded from any […]

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A “Culture of Caring”: How to Avoid Work Comp Litigation

It is my experience that companies that truly (or at least give the appearance of) caring for injured workers will significantly reduce their claims costs and avoid unnecessary litigation. The term “Culture of Caring” should be applied when companies are putting together their injury management plans. A large portion of these plans should be dedicated […]

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