Greetings!
What happens in Vegas... doesn't always stay in Vegas!  
The strongest and sweetest songs yet remain to be sung.
-- Walt Whitman
Tom Messier, Vice President
Mason & Mason Insurance Agency
M&M Assurance Group, Inc.
P.S. If you enjoy this newsletter, check out our website at www.mmins.com. Click the "Clients" tab at the top of the page and then enter the site with username: "Client" and password: "INFO4U". You'll find more helpful articles on a wide range of topics. We'd love for you to LIKE us on Facebook (and invite your friends!) If you have any questions, give us a call at (800) 298-0802. We'll be happy to hear from you! |
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How to Proactively Manage Employee Terminations
Employee terminations and layoffs are stressful, sometimes complicated, and certainly an action that no employer looks forward to taking. The repercussions and disruptions from an employee being fired, laid off, or opting to leave of their own free will can be far reaching. It not only impacts the employee leaving, but also their co-workers and you, the employer.
You can decrease the impact employee terminations have on your business and remaining employees, as well as the potential resulting legal issues, by taking the time to manage the situation carefully. Having an employee termination strategy is a good starting point. As you develop your strategy, you should remember that most terminations will fall under one of these three categories...
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Don't Retain Your Subcontractor's Risks By Not Requiring Adequate General Liability Insurance
 Risk Management is one of the most important tools
available to keep your business's financial bottom line looking good. But, for risk management to be successful, you must be able to identify all cases of risk retention in which you'd be responsible for any portion of a loss. If you can't transfer a risk to another party, then you retain the risk by default. There are both known and unidentified risk retentions. An example of a known risk retention would be your insurance policy deductible. This type is considered known since you already know the predetermined deductible amount that you'd be responsible to pay before the policy provides its preset amount of coverage. On the other hand, any amount of loss over what your insurance policy's limits are would also be considered a retained risk, but categorized as unidentified since you wouldn't know the amount of loss beforehand. General contractors need to be able to identify all their known and unidentified risk retentions in order to protect their business adequately. If you're like most, then...
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Why You Should Be Following Workplace Injuries
 No matter what type of business you operate, all employers should be ready, willing, and able to conduct their own injury investigation immediately following an incident. Early intervention on your part will be essential in cases where there's been a serious injury or an injury of questionable nature. Such a proactive approach will allow you to keep the incident from spiraling out of control and reduce your liability exposure. After all, the last thing any employer wants to do is engage in costly court actions, some of which could spell the demise of the business. The following are the three main reasons you must immediately investigate an incident...
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About Mason and Mason
For more than 20 years we've been committed to meeting the insurance and bonding needs of the construction industry. The success and leadership of our practice has led to strategic and proprietary relationships with insurance companies similarly committed to the industry. Our clients benefit from our insurer relationships in the form of products designed with their special needs in mind. Our access to many construction specialty insurers also assures our clients are afforded a range of options at various cost levels in order to match the level of protection for their particular needs. As important as these insurer relationships are, our true competitive edge is the people who serve our clients. We have team of construction insurance professionals who understand the complexities of the worker's compensation and general liability insurance regulatory environment as applied to the industry. We leverage this specialized knowledge and our broad risk management expertise to the benefit of our construction industry clients.
Mason and Mason Insurance M&M Assurance Group
458 South Avenue 3304 White Mountain Hwy
Whitman, Massachusetts 02382 North Conway, NH 03860
T (800) 759-1452 T (800) 298-0802
F (781) 447-2832 F (603) 356-9290 |
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Coming Soon!
RRP Workshop with Shawn McCadden & Friends!
You've become certified... so now what?
A second workshop on the new OSHA Fall Protection Directive (complete with equipment demonstrations) will be held the next day - cut rate if you sign up for both!
Watch for more details! (or grab Tom - he'll be happy to chat with you about it!)
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Who knew insurance could be social?
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We did!
Here's a sampling of what you'll get when you "like" us on Facebook:
*Cool tools & articles
*Trivia Tuesdays (place your bets!)
*Photos from our "Whoops!" File (you won't believe this stuff!)
Please look us up and, if you like what you see, share our page with your friends!
*Bonus! From now until August 12th, we will donate $2 to Starting Point, an agency that provides services for victims of sexual & domestic violence, for each new "like" on our Facebook page! Please help us raise money for this great cause by sharing our page with your friends!
Click the link below to learn more about Starting Point and the many ways they are making a positive difference!
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OSHA Lead In Construction Manual
Looking for more resources about Lead Paint Compliance? Click here for your copy of OSHA's Lead In Construction Manual! |
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If you've heard about payroll deducted workers comp and have questions, give us a call! We can fill you in on the advantages (and disadvantages) of this program and see if it's right for you. That's what we're here for! :) |
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