May 2016 www.millercares.com
5 Bond Contract Terms to Understand
As with any contract, knowing what you are signing can be the difference between a very successful project and costly  litigation - or worse. Do you know the implications of signing a "Consequential Damages" clause or the subtle differences between "pay if paid" and "pay when paid?" Ben Williams, director of surety operations, explains these terms and more.

EPLI Won't Save You From Yourself
As hiring picks up, it's an excellent time to review your employment policies, practices, training and overall culture. While employment practices liability insurance (EPLI) protects against discrimination claims, only you can put the proper structure in place to ensure human resources best practice. How can you save yourself from common HR faux pas? 

Zika Virus: What You Need to Know 
The Zika virus started as a distant scare, but has since made its way to U.S. soil. Because the symptoms of the virus often go undetected, many people may not realize they are infected. Though hospitalization or death are rare, you should be informed on the causes, symptoms, and treatment for the illness that has been heavily featured in the news lately. Learn more here.

New Resources
The Miller Group's Risk Management Center 
What: A web-based platform that helps companies manage their safety and risk management initiatives.
Modules include (among others):
Who: Companies who are or need to be actively engaged in safety and risk management activities and wish to (a) reduce their overall cost of risk as a result of better management tools, and/or (b) increase the efficiency of risk managers and the time it takes them to manage safety and training.

Why: By proactively managing your risk exposures, you'll be able to increase your workplace safety, reduce claims, losses and associated costs, and consequently make a better positive contribution to your bottom line.

Questions: To learn more about how to take advantage of this opportunity, contact Chris Miller at [email protected].
More Miller Group Services
Drug Costs on the Rise
As a benefits provider, you should be aware of two developments that could lead to increased pharmacy spend:
1
) Drug makers are increasing the pressure on consumers to get tested for Hepatitis C, which can cost up to $240,000 to cure. Yet some experts say 80% of those who get treatment don't need it; the disease would resolve on its own.
2) Off-label prescribing of ultra-expensive super statins could cause an increase of $14,600 per user.
How can you tinker with these costs?

Engaging with the Next Generation
Baby boomers, once considered the largest generation, have been overtaken by millenials. In the wake of this rapid growth, financial advisors have their sights set on tapping into the wealth of the generation born between 1982 and 2000. Amber Miller Manning, former president of Private Risk Management, shares her expertise as to engaging with the next reigning generation.
Webinars
How to Implement a Fall Protection & Prevention Plan
May 26 - 11:00 am CST

Staying on Your Feet: Preventing Slips, Trips and Falls
June 2 - 11:00 am CST

Injury and Illness Prevention Program Development
June 9 - 11:00 am CST

Safety Data Sheet and Hazard Communication Plan Management
June 14 - 11:00 am CST

The Miller Group and Succeed Management Solutions have partnered to provide you with informative webinars. For more information and to register, email Chris Miller at [email protected].
In This Issue
View our profile on LinkedIn   
The Learning Caf�
 
When: Tuesday, June 2nd 
8:00 am - 9:00 am (breakfast served at 7:30)

John Leek, Chief Technology Officer at NetStandard, will be presenting on how to assess and manage your cyber security.
For more information or to register, please contact Shaughnessy at 
 
About The Miller Group
The Miller Group is a full-service brokerage firm providing business and personal insurance, surety bonds, employee benefits, HR consulting, and risk management solutions to protect the assets of our clients and their families.