Return to Work –  Health and Happiness Return to Work programs help you get injured employees back to their normal or modified job duties as quickly and safely as possible. Instead of paying for workers’ compensation costs and lost work days, you’ll save money by paying your employees their normal wages for doing light-duty work that the company needs done anyway. You’ll also be able to keep them on their regular work schedules, which is proven to increase their likelihood of returning to regular working duties sooner. Benefits for Your Company Return to work programs reduce employees’ days away from work, allow employees to recover more quickly and foster a more positive work environment. Implementing a return to work program can benefit your company financially by: Anticipating and controlling hidden costs Reducing the financial impact of workplace injuries Providing a proactive approach to cost containment Improving your ability to manage an injury claim and any restrictions Getting your experienced employees back to work, resulting in less time and money spent on recruiting and hiring Helping you keep regular contact with injured employees Your company can benefit from a return to work program in other ways, including: Boosting morale Keeping … Continue reading Return to Work Programs – Why They Are Important

Your homeowners insurance policy can offer financial protection in the event of an unexpected disaster involving your home or personal property. But how you will be reimbursed following a claim depends on the type of coverage you have. There are two main valuation methods when it comes to homeowners insurance—replacement cost coverage and actual cash value coverage. By understanding the difference between these valuation methods, you can make informed decisions about your homeowners insurance and secure coverage that meets your needs. Key Differences Between Replacement Cost and Actual Cash Value Although replacement cost coverage and actual cash value coverage can both offer financial protection in the event of a claim, the amount that your policy will pay out differs between these two valuation methods. Here are the key differences: Replacement cost coverage can offer compensation for the cost of replacing your stolen, damaged or destroyed property with a brand-new version (as long as it’s similar in kind and quality to the original). For example, if your couch is destroyed in a house fire, replacement cost coverage would reimburse you for the cost of purchasing a comparable new couch. In other words, replacement cost coverage will replace your property without any … Continue reading Replacement Cost vs. Actual Cash Value – Homeowners

As we climb out of the abyss of this pandemic the Trucking Industry remains strong, dedicated and reliable. Thank you for your extra efforts and Keeping America Great!!   Here is an opportunity to save on your workers comp premium. If you are a Massachusetts Trucker you already enjoy some of the lowest Work Comp Rates in the country. Well…..things just got better for Massachusetts Truckers!! Join the hundreds of Massachusetts Truckers who have slashed their cost of insurance and enjoying much lower workers comp rates. See below for more information on how you can save money. Call us to see how we can help you reduce your Workers Comp – A small reward for  Keeping America Great!!