RBN Insurance Insights

American Rescue Plan

American Rescue Plan   <...

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Workers’ Compensation Insurance: Direct & Indirect Costs

Workers’ Compensation Insurance: Direct & Indirect Costs  Workers’ Compensation claim costs aren’t always straightforward; there are expected and unexpected costs. Direct and indirect costs can substantially impact employers and their finances. The below guidance reviews the difference between direct and indirect Workers’ Compensation claim costs and how employers can reduce these exposures.  Direct Costs Overview  Direct costs are those […]

PFAS Insurance Coverage

PFAS Insurance Coverage  Per- and polyfluoroalkyl substances (PFAS) are human-made chemicals that include PFOA, PFOS, GenX, and other chemicals. PFAS have been used since the 1940s. Since then, thousands of PFAS compounds have been manufactured, distributed, and sold. PFAS require complex and expensive remediation and do not degrade, leading many to refer to them as “forever […]

Defending Against Product Recalls 

Defending Against Product Recalls  According to the U.S. Consumer Product Safety Commission data, there are an average of 35,000 consumer product-related injuries every year.   Despite recall frequency and the potential for significant costs, most manufacturing companies do not adequately plan and buy insurance to protect against product recall events. It is a common misconception that […]

Backing Up Best Practices

Backing Up Best Practices According to OSHA, accidents that occur while backing up represent approximately 25% of all injuries and accidents in the solid waste collection industry. Backing up a large vehicle is a difficult task and can be dangerous. Reducing the frequency of these accidents can help organizations save money and improve employee morale, and can also help reduce auto insurance costs.    Pre-Trip Inspection  Before any vehicle is put in service, a […]

Operation Safe Driver Week: July 11-17, 2021

Operation Safe Driver Week: July 11-17, 2021   Commercial Vehicle Safety Alliance’s (CVSA) annual Operation Safe Driver Week will occur July 11-17, 2021, focusing on speeding.    The Purpose of Operation Safe Driver Week   According to CVSA, Speeding was a factor in 26% of all traffic fatalities in 2018, killing 9,378 people with an average of more than 25 people […]

Workers’ Compensation: A Cost Savings Opportunity

Workers’ Compensation: A Cost Savings Opportunity 2020 was a year unlike any other. Similar to other sectors of the economy, the commercial insurance industry is experiencing ongoing changes. The events of 2020 in many ways accelerated a hardening insurance marketplace – a less friendly market to insurance buyers. Premiums are on the rise for most lines of coverage.     Unlike […]

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