Non-profits typically have exposure to loss that is difference than those in the for profit world. Volunteers, both board members and others need to be adequately covered so that their personal assets are not at risk. Work with youth evokes a unique set of exposures such as harassment and molestation.
It is important to work with a broker and insurance carriers who understand the unique nature of non-profits and are able to place coverage at the most competitive level.
Compliance is expensive and non-profits are working under ever increasing budget restraints. Some of the areas we can assist you with follow:
Experience Modification (MOD)
MOD is often incorrect. Formulated losses may be improperly reserved or closed for no payment but still shown. This makes all the difference in Workers Compensation Premium.
Experience MOD Worksheets…
Mod Review Effect on a $220,000 Workers Compensation Premium
Financial Effect on Workers Compensation Cost After Review
What triggers an OSHA inspection?
Will you be ready?
During past U.S. Administrations…
During past U.S. Administrations…
1 – OSHA is back. DOL Secretary Solis and OSHA chief Barab have strong union ties, and are pushing an aggressive OSHA plan that in large part mirrors goals organized labor has promoted for OSHA.
2 – Solis, for instance, spoke of her working class parents in Los Angeles, both union members, “fighting side by side on their shifts to ensure workers came home safe,” and instilling in her the value that you “fight for what is right.”
3 – More than 150 new inspectors will be hired in fiscal year 2010.
4 – Penalties will be higher for violations. Consider these six-figure-plus fines proposed since Inauguration Day in January: more than $1.1 million in penalties to Milk Specialties Co. in Whitehall, Wis.; more than $255,000 in fines against a New Hampshire firearms manufacturer; more than $141,000 in fines against Hess Corp.; $105,000 in proposed penalties against an Orlando manufacturer; a Petrolia, Pa., chemical company fined more than $121,000; fall hazards at a Torrington, Conn., site lead to more than $118,000 in penalties; $273,000 in fines against a Jamestown, N.Y., employer for lack of asbestos safeguards; and an El Paso, Texas, construction contractor fined $106,200 for alleged workplace safety violations.
5 – New standards will come out on diacetyl flavoring used for popcorn, combustible dust exposure protection, cranes and derricks, confined space in construction, and rewriting the hazard communication standard to be consistent with new international MSDS laws. This is commonly called the Global Harmonization System (GHS).
6 – Broad, sweeping new standards will come out in 2011 or 2012 on ergonomics and basic requirements for having an overall safety and health program.
7 – Overall, OSHA will be more aggressive with standards and policing / enforcement than in the last 20 years.
“WE’RE BACK”, said the diminutive Solis, smiling as she stood in a concrete back hallway that exits the Henry B. Gonzalez Convention Center, talking with Barab following a brief press conference that came after her ten-minute speech to about 3,300 ASSE members at the meeting’s opening session, held in a cavernous, generic convention ballroom.
“Make no mistake about it,” she told the standing room only crowd which lined the hall’s walls and had attendees sitting on the floor, “the Department of Labor is back in the enforcement business. We are serious, very serious.”
OSHA can be cold and their visit is just the tip of the iceberg.
Fines for minor violations can add up. Fines for major violations can be significant.
OSHA Also Looks For…