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Category: Commercial Insurance

WHY EMPLOYERS SHOULD ADD CSPs TO THEIR TEAM

[ 0 ] May 11, 2012

CSPs gain certification from the Board of Certified Safety Professionals, which is commonly referred to as the BCSP. The Council of Engineering and Scientific Specialty Boards and the National Commission for Certifying Agencies are responsible for accrediting Certified Safety Professionals in the United States. The ISO/IEC is responsible for international accreditation. To become a CSP, an individual must have a bachelor’s degree in any field or an associate’s degree in health and safety. They must also satisfy the following requirements:

  • Pass the Comprehensive Practice and Safety Fundamentals exams.
  • Provide the BCSP with proof of maintaining competency by re-certifying every five years.
  • Have at least four years of professional safety experience.

Why Companies Should Hire CSPs. Companies that hire CSPs enjoy an enhanced reputation. CSP certification is one of the most coveted credentials in the United States today. Having an individual who is certified in environmental positions, health and safety is an asset. Employers in many fields seek these professionals. They work with not-for-profit organizations, government agencies, businesses, various industries and consulting firms. In addition to this, many lawyers have started using CSPs as expert witnesses in trials where expert testimonies in health and safety are required. They have been involved in cases with OSHA citations, Workers Compensation, injury lawsuits and several other types of court proceedings. Many government and private agencies require CSPs in their contracts for assurance of experience and knowledge.

Employer Benefits of Hiring a CSP. Employers enjoy many benefits from hiring a CSP. The following are some of the most desirable advantages:

  • The company name is associated with a prestigious global certification.
  • An individual is identified as a source of expertise by extensive examination.
  • Company relations with environmental, health and safety communities are improved.
  • Enhances company reputation by keeping an individual certified in safety, health and environmental positions on staff.
  • Establishes an examination basis for assessment of employee competency.
  • Offers easy access to current information on applicable laws, regulations, consensus standards and licenses.
  • Demonstration to other parties that certificate holders have been tested and deemed competent under the highest standards.
  • Recognition of the highest level of professionalism in certified health, safety and environmental executives.
  • Standards of practice for certification maintenance exemplify enhanced professional credibility.

EPA and OSHA standards show recognition of CSP certification in regulations, standards and laws. Many local and state government contracts require CSP services. These professionals continue to grow in value through government, public and employer recognition. They also continue growing in value because of the national accreditation benefit and the high standards they must abide by.

Campbell & Boyd

Campbell & Boyd
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
Email

 

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HEALTH AND SAFETY IMPLICATIONS OF SHIFTWORK

[ 0 ] May 9, 2012

According to recent data collected by the Bureau of Labor Statistics, approximately 15 million people in the United States work on a rotating shift, night shift, or evening shift schedule. In addition, the total number of hours worked by employees in the United States is higher than most of Western Europe and Japan. Both working irregular shifts and working long hours have been shown to contribute to safety risks and health problems.

Shift workers tend to be more tired than the general population, which can lead to difficulty concentrating and slower reflexes. As a result, shift workers are more likely to make errors on the job or be involved in accidents. The stress of shiftwork might also cause such employees to acquire certain health conditions.

When an individual works at night, he or she is unable to get enough restorative sleep. Sleep following a night shift is usually shorter and less regenerative than sleep during the night would have been. During nighttime hours, body functions and brain activity slow down. Because the individual is already lacking sleep, he or she is likely to exhibit performance problems. Individuals who work rotating schedules will experience additional problems each time they must switch between day and night shifts.

In addition to fatigue and concentration problems, shiftwork can also lead to serious health problems. Research has shown that employees who work rotating shift schedules are more likely to experience digestive problems, such as nausea, constipation, and stomach ulcers. Heart conditions are also more common among shift workers than in the general population.

Because shiftwork is often unavoidable, it is important to design the work schedule so that it minimizes the stress of shiftwork as much as possible. A properly designed work schedule can prevent accidents, improve worker morale, and decrease the likelihood of employee health problems.

All workers have a natural circadian rhythm that tells their bodies when to sleep and be awake. For this reason, employees who must be at work during late night and early morning hours are likely to have more trouble focusing. Certain shift times might also prevent workers from seeing family and friends. To prevent problems that might result from unusual shift times, many employers avoid scheduling the same worker for late night or early morning shifts during all work periods.

Though it might seem like it would be easier for workers to adapt to an unusual shift if it were a permanent assignment, most workers readjust to a normal schedule on their days off. For this reason, the majority of employers assign shiftwork on a rotating schedule. Rotating schedules prevent a worker from constantly experiencing the stress associated with the night shift. However, rotating schedules require workers to make changes to readjust to new sleep patterns regularly. To prevent serious health problems, it is advisable to rotate a worker’s shift every few weeks, rather than weekly or after only a few days.

Another important factor to consider in shiftwork is the amount of time an employee has to rest. Employees who work eight-hour shifts have more hours in the day remaining for rest than employees who work 12-hour shifts. Unfortunately, the other tasks employees must perform after their shift will not decrease when they work overtime, so employees who work long shifts must often sacrifice sleep in order to make ends meet. To prevent a buildup of fatigue, employers of employees who must work long hours should avoid scheduling too many consecutive workdays for the same employee.

Employers who require workers to perform shiftwork should also teach employees effective coping skills to deal with the stress of the schedule. Employees working rotating shifts can improve their situations by getting as much sleep as possible during their time off. They should also make an effort to spend time with family and friends, exercise, and eat a balanced diet.

 

Campbell & Boyd

Campbell & Boyd
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
Email

 

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ARE YOUR COMMUNICATIONS WITH EMPLOYEES TARGETED AND EFFECTIVE

[ 0 ] May 7, 2012

Modern communication methods have brought an overload of information. In this age, immense volumes of mail not only accumulate at the front door, it also accumulates in email in-boxes. The sheer volume alone leads us to delete spontaneously anything that isn’t a bill, personal or business matter, or of other significant importance.

This creates an especially challenging situation for employers attempting to communicate benefit issues with their employees. It also means that employers need to develop benefit communication presentations that employees don’t dismiss instantly and discard if they want to communicate benefit matters effectively. One way to do this is by considering your specific employees when developing communications. By identifying various employee groups, you can then work to target or customize the communications toward them.

It’s important to first understand that topic interest is going to strongly vary from generation to generation, as each will have different current needs and goals for the future. The current work force consists mainly of three generations: Those born after 1980, Generation Y; those born from 1965 to 1980, Generation X; and those born before 1965, the Baby Boomer Generation.

Generation Y are those that are relatively young and still in the beginning stages of their career. This group isn’t very likely to be contemplating their retirement or the importance of retirement savings. As most of us not in this generation can remember, the fallacies of youth might include a feeling of infallibility and an assumption that bad things only happen to others. So, this group might not pay much attention to health benefit information. This generation is accustomed to fast-paced media imagery and usually don’t have very long attention spans. Therefore, this group is more likely to be receptive if the communication is concise and visually catching and received through electronic portals, such as email.

On the other hand, those in Generation X are at a much different point in their lives. Children, a mortgage, contributing to a child’s college education, caring for an elderly parent, and contributions to a future retirement are all common financial responsibilities of this age group, and these responsibilities often compete with one another. This group is usually established enough to know the importance of a retirement plan, but still might not be sufficiently contributing, if at all, due to balancing other financial obligations. Knowing what affects this group can be the perfect gateway to communication. For example, a retirement plan communication that has a budgeting tool as a highlight could serve to gain viewer attention. An EAP (Employee Assistance Program) with a resource and referral service to get elderly care and childcare services might also be something this group would find useful. So, EAP availability could be a highlight of a communication and gateway to discussing other benefits.

Baby Boomers are at the end of their careers and quickly nearing retirement. Many are scrambling to account for bad financial decisions or lapses in savings and preserve whatever they’ve managed to accumulate thus far. Age also brings an increasing concern about health care issues. Any communication that targets these issues is usually very well received by this generation. Many in this generation aren’t very computer savvy and respond better to non-electronic communications.

The bottom line on targeted communications is quite simple: Whatever is interesting and applicable to us now is what we are most likely to read and pay attention to now. It only makes sense that effective communication is best achieved by knowing what’s important and when it’s important, and then developing and presenting communications accordingly.

Campbell & Boyd

Campbell & Boyd
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
Email

 

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Contract Litigation Insurance – Attention Attorneys

[ 0 ] April 30, 2012

Because you want your client to win and to be protected from risk. 

So that you can achieve both objectives, we are pleased to introduce you to Contract Litigation Insurance (CLI).

Now you can help guard your clients against excessive financial exposure in litigation, while raising your standard of care to a new level. All you need to do is recommend that they obtain a Contract Litigation Insurance policy through Campbell & Boyd Insurance Services.  CLI can be purchased for a limited time after the filing of a lawsuit.

This innovative and affordable insurance is specifically designed to protect litigants from having to pay their adversary’s attorneys’ fees in a contract dispute.

Benefits To Your Clients At A Glance:

-Underwritten by AM Best rated A+ carrier

-Closes a gap in existing coverage

-Provides improved budget certainty

-Strengthens your settlement leverage

By making your clients aware of Contract Litigation Insurance, you are helping them feel more secure about the uncertainties of litigation and satisfying your responsibility to protect them in every possible way. After all, you and your clients can be right and still lose.

For a free follow up by our CLI professional, fill out our simple form HERE.

Or you can give us a call at:

802-257-9500

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20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel: 802-257-9500

email: ddboyd@campbell-boyd.com

© 2012 Sonoma Risk Insurance Agency, LLC. Policy issued by a member company of Zurich in North America. This coverage is offered only in certain jurisdictions and can be purchased only on a surplus lines basis from a licensed surplus lines producer. The description here is a summary only. It does not include all terms, conditions and exclusions of the policies and coverages described.

 

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FOUR COMMON MISTAKES EMPLOYERS MAKE REGARDING WORKERS’ COMPENSATION

[ 0 ] February 24, 2012

Campbell & BoydHere are four common mistakes made by employers that frequently deter their Workers Compensation savings:

1. Assuming that lower rates equate to lower costs. Don’t make the faulty assumption that your cost will go down automatically just because your rates have been reduced. Workers Compensation insurers use an experience modification factor to examine the actual losses incurred by the insured company and establish cost.

2. Believing that employers have little control when it comes to the expense of Workers Compensation. Employers know they’ve got to have Workers Compensation insurance. However, this acknowledgment shouldn’t lead to an employer thinking they’ve got to pay excessively for it; employers don’t and shouldn’t. Cost reduction starts at the hiring process. Initiate effective interview techniques and background checks to help ensure the right people are hired for the right jobs.

3. Neglecting or de-emphasizing cost containment and injury management during low rate periods. Safety should be an unyielding focus at all times. This will not only help a company reduce their claim numbers, but also keep their rates low over the long term. Employers need to keep an eye on the issues that frequently impact the costs of claims, such as medical care costs and lost wages. Also, remember that open claims mean escalating costs and negative impacts to the company’s modification factor.

4. Not making the association between cost containment and worker retention. Studies have shown that fewer accidents occur among skilled workforces, but even skilled workers can have an accident. A large part of whether or not an injured skilled employee returns to work is based on how their employer responds to them during and after recovery.

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CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

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What Is BOP?

[ 0 ] February 1, 2012

Campbell & BoydBOP or business owner’s package is protecting your assets which is essential for any business owner.  For many firms, one of the most convenient ways to do so is with a business owners policy, which combines multiple insurance coverage into one comprehensive package. A cost-effective way to get the core insurance coverage you need, a business owners policy has the flexibility to expand as your business grows and your needs change down the road.

If you want to learn more about Business Owners Package Campbell-Boyd Insurance can help! click the link to be directed!

CAMPBELL & BOYD

20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302

tel: 802-257-9500

 

 

 

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Taking Group Life Insurance is Quick & Easy

[ 0 ] January 2, 2012

As an employer, you are aware of the importance of employee benefits and their contribution to your business success. Campbell & Boyd has a Group Life insurance plan that can benefit you and your employees.

Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Group life insurance covers the lives of multiple persons such as some or all employees of a business, members of a labor union, or members of an association. Depending on the group life insurance policy, the insured person may receive life insurance coverage as an employee benefit, make a contribution to pay part of the cost, or may pay for the group life insurance policy on their own.

Group life insurance policies are established based on the risk factor of the group as a whole, so higher risk members of the group are protected from being adversely singled out and either excluded or forced to pay more.  A member of a group life insurance policy is typically protected from their employer or organization cancelling their specific insurance as long as the person remains a member of the group.

Group term coverage remains in force until your employment is terminated or until the specific term of coverage ends. You may have the option of converting your group coverage to an individual policy if you leave your employer.

Taking Group Life Insurance from Campbell & Boyd is quick and easy. Fill out the form below or connect with us on Facebook and LinkedIn!

 

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

 

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Business Insurance – Protecting Your Employees

[ 0 ] December 19, 2011

Campbell & BoydRunning your own business can be rewarding, but it also comes with plenty of responsibilities. That’s particularly true when it comes to business that has employees.

One of the most important things for you to remember when you are looking at business insurance is that the point of the insurance is going to be to protect your employees.

The other thing to remember about business insurance is that it is something that can help you protect your business – this can also protect your employees. You want to be sure that you can protect your employees as much as possible, because your employees deserve the best.

When you have business insurance, it means that if something happens to your business, such as a fire or tornado, or another problem, you will be able to get the money to not only fix or rebuild your business. This means that even if your business is destroyed, if you have the right type of business insurance, you will be able to continue running your business while it is being rebuilt. At the very least you will be able to find the money to help your employees get through the period of time in which you are unable to have your business work the way it should be working.

As a business owner, you have enough on your mind without having to worry about your insurance needs. You can count on getting customized Business insurance quotes designed specifically for your business from your local Campbell & Boyd agent.

It is simple and quick, please fill out this below form.

Business Owners Package Request

Organization Contact Information

Current Coverage Information

Information Needed To Complete Quote

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

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How workers compensation insurance works?

[ 0 ] December 7, 2011

Workers compensation insurance plays an important role in protecting both employer and employee. Here’s how workers comp insurance works. Workers’ compensation insurance pays income and benefits to workers who suffer an illness or injury while they’re on the job. The insurance pays for lost wages and other injury-related expenses. It also protects the employer’s liability against employee claims related to the injury. Employees who make a workers’ compensation claim aren’t allowed to later sue the employer for the injury. When an employee is injured on the job, the employer and the employee need to fill out certain forms to make a claim. Claims are typically time-sensitive so employers must encourage their workers to report any work-related illnesses or incidents as soon as possible.

Employees can make a workers’ compensation claim for things like treatment of injuries and illnesses and disability income for a certain period of time. The dependents of a person killed on the job can use workers compensation to help pay for funeral expenses and can receive a death benefit. Luckily, things have changed for work Comp Insurance in the last few years. There are many carriers to choose from depending on your particular business operations and needs. Our many carriers have even dropped their rates on Workers Compensation Insurance recently.

Campbell and Boyd Insurance Services, Inc has a long back history in Insurance carriers that enable our insurance agents to find the most competitive insurance rates available with many different policy types. Whether you employ one person or thousands, Campbell and Boyd Insurance Services, Inc is your trusted Workers’ compensation partner. We take the complexity out of Workers compensation.

CAMPBELL & BOYD

20 Technology Dr, Ste 4

PO Box 1260

Brattleboro, VT 05302

tel:  802-257-9500

email: ddboyd@campbell-boyd.com

 

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Insurance for Every Need

[ 1 ] October 29, 2011

Campbell & Boyd, located in Battleboro, VT, is specialized in Personal Insurance and Commercial Insurance Products. Connect us with Social networks like Facebook and LinkedIn

Campbell & Boyd

20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel:  802-257-9500
email: ddboyd@campbell-boyd.com

 

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