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OSHA Cites Company With 12 Violations After Worker Dies From Chemical Exposure

Author DavidMalloy , 5/27/2012
From http://www.workerscompensation.com/

Theresa, WI (WorkersCompensation.com) -

The U.S. Department of Labor's Occupational Safety and Health Administration has cited Vivid Image Inc. with 12 safety violations–including two willful–after one worker died and another was hospitalized from exposure to the chemical toluene at the Theresa, Wis., manufacturing plant on Nov. 29.

Two willful violations involved workers not wearing respiratory protection while working with the chemical toluene in an unventilated area, and for exposure to toluene beyond the peak level of 500 parts per million. A willful violation is one committed with intentional, knowing or voluntary disregard for the law's requirements, or with plain indifference to worker safety and health.

OSHA guidelines limit peak toluene exposure to 10 minutes per single time period for any eight-hour shift, with a time weighted average exposure of 200 parts per million. Toluene is a clear, colorless liquid used in a variety of industries and is a common solvent for products such as paints, thinners and glues. Vivid Image specializes in coating production and micro screens.

"Vivid Image has a responsibility to monitor workers' exposure to known chemicals in its facility, ensure usage of protective equipment and train workers in workplace hazards," said Kim Stille, OSHA's area director in Madison, Wis. "OSHA is committed to protecting workers on the job."

Additionally, 10 serious safety and health violations include a failure to reasonably evaluate toluene air concentrations; shut off the ventilation system and block the exhaust duct while applying screen coating material containing toluene; disallow ignition sources inside the coating room where flammable material was mixed and applied; develop and implement a written hazard communication program; provide worker training on physical and health hazards of coating material; properly storing flammable liquids; provide guarding on a table saw; prevent exposed electrical wires using extension cords instead of permanent wiring; and provide fork truck training. A serious violation occurs when there is substantial probability that death or serious physical harm could result from a hazard about which the employer knew or should have known.

Proposed penalties total $64,600.

Due to the willful nature of some of the violations, OSHA has placed Vivid Image in its Severe Violator Enforcement Program, which mandates targeted follow-up inspections to ensure compliance with the law. The program focuses on recalcitrant employers that endanger workers by committing willful, repeat or failure-to-abate violations. For more information about the program, visit http://s.dol.gov/J3.

Vivid Image, which employs three workers, has 15 business days from receipt of its current citations and penalties to comply, request an informal conference with OSHA's area director or contest the findings before the independent Occupational Safety and Health Review Commission. To ask questions, obtain compliance assistance, file a complaint, or report workplace hospitalizations, fatalities or situations posing imminent danger to workers, the public should call OSHA's toll-free hotline at 800-321-OSHA (6742) or the agency's Madison office at 608-441-5388. Under the Occupational Safety and Health Act of 1970, employers are responsible for providing safe and healthful workplaces for their employees. OSHA's role is to ensure these conditions for America's working men and women by setting and enforcing standards, and providing training, education and assistance.

 

Operating in the Continental US!
Phone: 1-877-PMC-COMP| (781)-449-7744
Email PMC | Visit our website

William Malloy Named President of WRM America Holding Company, William Fishlinger Continues as Chairman

Author DavidMalloy , 5/23/2012

From: ProgramBusiness.com
WRM America Holding Company, LLC (“WRM America”) is pleased to announce that effective immediately, William Malloy has been named President. Mr. Malloy will be responsible for the management of WRM America and its subsidiary companies. William Fishlinger, founder of WRM America, will continue as Chairman and will guide the company’s strategic initiatives.

“I am very pleased that Bill is joining WRM America. Bill has been an active Board member of our company, and I have come to know him personally. I cannot think of a better person to lead WRM America,” Mr. Fishlinger said. “Bill’s addition will allow me to spend more time with our clients and to focus on growing our company. I look forward to working with him in his new role.”

Mr. Malloy has extensive management experience in the insurance industry as both an underwriter and a broker. He spent more than a decade at AIG, where he held various executive roles both in the United States and Europe. From AIG, he joined Marsh Inc., where he held various leadership positions and ultimately served as President from 2004 to 2007. Mr. Malloy joined Aquiline Capital Partners, LLC in 2007 and became a board member of WRM America in 2008.

“I am very excited about joining WRM America and the future of our company,” Mr. Malloy said. “Over the course of 24 years, Bill and his team have built a company that produces strong, consistent results for our clients. I look forward to continuing WRM America’s success in delivering value-added services to our clients and partnering with Bill to build a leading specialty insurance service company.”

About WRM America Holding Company, LLC

WRM America Holding Company, LLC is a specialty lines property and casualty insurance and risk management holding company offering comprehensive solutions for public and private sector entities. WRM America serves its clients’ unique needs through its operating companies: Wright Risk Management, which manages the New York Schools Insurance Reciprocal (A.M. Best “A” (Excellent)), the New York Municipal Insurance Reciprocal (A.M. Best “A” (Excellent)), and the New York State Municipal Workers' Compensation Alliance; RMI Consulting; WRM America Indemnity Co. (A.M. Best “A-” (Excellent)); and Fidelity National Indemnity Insurance Company (A.M. Best “A-” (Excellent)). The company is headquartered in Uniondale, NY.

Operating in the Continental US!

Phone: 1-877-PMC-COMP| (781)-449-7744

Email PMC | Visit our website


PMC is a leader in Workers Comp Solutions

Author DavidMalloy , 5/9/2012

Small Business
PMC insurance group is a leader in finding workers compensation solutions for small business.  We have a dedicated group of experienced Small Business underwriters ready to partner with  you in finding solutions and markets for your clients.  We have structured the organization to be efficient in handling small business accounts, respond quickly and provide you with a knowledgable and friendly team. Below is a small sample of the classes that PMC can write.

 

For more information contact PMC Insurance Group today!

Operating in the Continental US!

Phone: 1-877-PMC-COMP| (781)-449-7744

Email PMC | Visit our website


Ask the Workers’ Comp Expert: NCCI to Change Experience Modification Formula

Author DavidMalloy , 5/8/2012
Ask the Workers’ Comp Expert: NCCI to Change Experience Modification Formula
by Robert G. Jones, Vice President, PMC Insurance Group

Typically, business owners paying $5,000 or more annually in workers’ compensation insurance premium qualify to be experience rated (some variations by state). The result is an insurance premium modification factor will be calculated annually for such businesses based upon individual three prior years’ payroll and loss history. This data is reported to the appropriate rating bureaus by the individual business owner’s past insurance companies.

In general, historical loss data for a particular business is compared to the average loss data for all similar businesses in its state of domicile. This comparison results in a debit or credit experience modification factor that is used to adjust the business owner’s annual workers’ compensation insurance premium. Most states use the National Council on Compensation Insurance to calculate experience modification factors for individual businesses. A few states, including New York, have their own separate workers’ compensation rating bureaus.

Effective January 2013, NCCI will implement a new formula for calculating experience modification factors. The key change in the formula is the increase in the loss per claim, from $5,000 currently to $15,000 in the new formula. Thus the size of losses per claim will have significantly greater impact on driving up the experience modification factors for business owners with large individual claims. (More information to come in the months ahead.)

PMC Insurance Group is IIABNY’s endorsed workers’ compensation specialist. Our insurance professionals have extensive experience helping IIABNY members expand their marketing capabilities by providing workers’ compensation solutions for their clients. Give Bob Jones a call at (440) 313-5002.  


 Operating in the Continental US!
 Phone: 1-877-PMC-COMP| (781)-449-7744
Email PMC | Visit our website

Why Workers Comp is Important

Author DavidMalloy , 4/27/2012
PMC Insurance GroupPMC insurance group is a leader in finding workers compensation solutions for all businesses.  We have a dedicated group of experienced Small and Large Business underwriters ready to partner with you in finding solutions and markets for your clients.  We have structured the organization to be efficient in handling  business accounts, respond quickly and provide you with a knowledgable and friendly team. Why do I need Worker's Compensation Insurance you ask, check out this video and see if it changes your mind.    http://youtu.be/EMZkR79YO1c 

Operating in the Continental US!

           Phone: 1-877-PMC-COMP | (781)-449-7744

Email PMC | Visit our website


Thank you PMC Insurance Group!

Author DavidMalloy , 4/25/2012
PMC Insurance Group“In the past David has provided me quotes from several insurance companies though his company. He has always been very friendly, professional, and able to answer any coverage questions that I may have. Thank you David for your great service!" 
April 20, 201 Kimberley Bryon

  “David is a great person to work with when obtaining quotes. He is responsible and responds in a timely manner. I would recommend sending and working with David.” 
April 13, 2012 Melissa Arnold, CRIS, AIS, MLIS, Account Manager, Assurance

 “David has helped me place workers compensation business on several occasions. He is very thorough and everything is back on time. Thanks David.” 
April 13, 2012 Mike Christensen

  “I have worked with David on behalf of several clients in search of solutions for their business insurance needs. He has been very professional and I would highly recommend his services to those in need of insurance solutions.” 
April 13, 2012 Jason Bishop, Risk Manager, Corporate Risk Solutions  

Operating in the Continental US!

           Phone: 1-877-PMC-COMP| (781)-449-7744

Email PMC | Visit our website


Controlling Medical Costs

Author DavidMalloy , 4/11/2012
PMC Insurance Group Ask the Workers’ Comp Expert: Controlling Medical Costs
by Robert G. Jones, Vice President, PMC Insurance

Business owners continue to look for ways to contain and reduce expenses. Reducing workers’ compensation medical costs may be one overlooked area. The National Council on Compensation Insurance reports that medical services represent 60 percent of workers’ compensation claim costs. Historically, indemnity costs were the largest portion of claims.

To an extent, business owners can contain and reduce medical costs through prescription drug plans, medical provider networks and other proactive cost-containment measures. However, a key driver to lower claim costs is the absence of workers’ compensation claims. In past columns, we presented the business case for a zero injury workplace embedded within an organizational culture of safety and employee wellness.

A culture of safety and employee wellness is essential in sustaining a zero-injury work environment. That said, employees filing bogus workers’ compensation claims remain an enormously costly and challenging problem. Business owners must also take proactive measures to identify and aggressively dispute fraudulent claims. The key to Identifying them is consistent and ongoing communication with medical providers.

Containing and reducing workers’ comp medical costs is all about hiring the right employees. Drug screening, background checks, testing and accurate job descriptions help business owners avoid hiring employees with high claim risk potential.

PMC Insurance Group is IIABNY’s endorsed workers’ compensation specialist. Our insurance professionals have extensive experience helping IIABNY members expand their marketing capabilities by providing workers’ compensation solutions for their clients. Give Bob Jones a call at (440) 313-5002.  

Operating in the Continental US!

           Phone:  1-877-PMC-COMP | (781)-449-7744

Email PMC | Visit our website


Impact of an Aging Workforce on Costs

Author DavidMalloy , 4/9/2012
PMC Insurance GroupAsk the Workers’ Comp Expert: Impact of an Aging Workforce on Costs
by Robert G. Jones, Vice President, PMC Insurance

Much has been written and speculated about the impact of older workers and the presumed increased cost of workers’ compensation. The numbers of jobs held by baby boomers will more than double in the period from 1995 to 2020, due in part to older workers postponing retirement.

According to the National Council on Compensation Insurance, while the loss costs are higher for older workers due to the severity of their claims, those costs tend to be offset by higher premiums resulting from higher wages earned by older workers. Also, older workers file fewer claims than younger workers, which tend to offset their higher claim costs.

Research indicates that workers age 35 to 64 appear to have similar loss costs per worker. On the indemnity side, higher wages paid to older workers drive higher costs. For medical costs, older workers may require more treatments per claim, which drives total costs.

NCCI research indicates that frequency has fallen across all age groups, and differences in frequency by age have narrowed. Occupational mix does not present a material impact on frequency as in general workplaces keep getting safer for all occupations. Of note, the generation following baby boomers in the workplace is now proportionally a larger group. Currently, the impact of an aging workforce on higher loss costs is less than conventional wisdom had predicted.

PMC Insurance Group is IIABNY’s endorsed workers’ compensation specialist. Our insurance professionals have extensive experience helping IIABNY members expand their marketing capabilities by providing workers’ compensation solutions for their clients. Give us a call at (440) 313-5002.  

Operating in the Continental US!

           Phone:  1-877-PMC-COMP | (781)-449-7744

Email PMC | Visit our website


Online Newsletters Available to You

Author DavidMalloy , 4/6/2012

Here are our Online Newsletters, please feel free to subscribe to any article of your choice for free!

PMC Insurance

Construction

These articles focus on workplace safety, insurance, and Workers Comp issues of interest to small and medium-size construction companies. Please let us know what topics you would like to see.

 


PMC Insurance

Risk Management

These articles focus  on Risk Management. Practical Tips for Business Owners and Managers.

 

PMC Insurance
Work Place Safety

For any business with employees! Special updates, and advice on holding down Workers Comp claims.      

Operating in the Continental US!

Phone:             1-877-PMC-COMP       |             (781)-449-7744

Email PMC | Visit our website


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