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... at a 50% frequency rate (25% for the aviation and railway industries) .& #160 Upon reasonable suspicion that an employee is using illegal drugs.  Prior to an employee returning to duty in a safety-sensitive position after participating in a substance abuse treatment program.  As follow-up to treatment based on the recommendation of a substance abuse professional (SAP) . All drug tests must be performed by a laboratory approved by the Substance Abuse and Mental Health Services Administration (SAMSHA) . Most SAMSHA labs ... as defined by the U.S. Department of Transportation (DOT), you are required to conduct drug and alcohol testing? Although drug testing had long been mandated by DOT, the Omnibus Transportation Employee Testing Act of 1991 goes further by also requiring alcohol testing and extends coverage to intrastate drivers and all CDL holders. This legislation greatly increased the number of workers covered. DOT estimates that nearly 8 million workers across the country are now affected by the requirements of the Act, which also applies to the aviation, railway, marine, ... driving, ready to drive, or immediately available to drive and any driver who is supervising the loading and unloading of a truck is considered to be performing a safety-sensitive function and must be subject to drug and alcohol testing. All said, not only truck drivers but school bus drivers, certain delivery personnel, and other drivers of commercial motor vehicles-even if they do not cross a state line-are now subject to drug and alcohol testing. On January 1, 1995, the drug and alcohol testing requirements of the Omnibus Drug Act became effective ...

...after participating in a substance abuse treatment program.  As follo... never considered workplace substance abuse issues, and starting a substance abuse program that includes drug and alcohol te...

... also found that camp operators were frustrated by wild fluctuations in premiums, last-minute restrictions and other aggravations that left them unable to prepare adequate budgets or schedules. Hibbs-Hallmark wrote its own stringent underwriting guidelines (requiring one counselor for every four students, written safety plans, sexual abuse policies and safety evaluations of equipment and facilities, among other things) and arranged an exclusive contract with a carrier. Today, it insures about 60 camps in Texas , Arkansas and Missouri , with $1.5 million in annual premiums. We don't insure every camp ... or eliminating competition by entering niche markets. Companies often pay higher commissions for niche-market programs, and because there are few competitors-and in some cases, none at all-there are few wasted sales calls. Niches are windows of opportunity. They often begin with a request for special coverages from a single customer. If the agent seizes the opportunity, that one request can blossom into a fertile market. In fact, the opportunities are so numerous and the rewards so great that some agencies have dropped their standard property/casualty lines entirely and replaced ... three. Now, I quote ten and get nine or ten. It's a lot more efficient. The agency, which wrote $23 million in premiums in 1991, expects $37 million this year. The agency's niche marketing program include self-insured workers' compensation for Texas school districts and other governmental bodies, and a variety of coverages for children's summer camps and plant farms. These target markets account for a significantly higher profitability ratio than the agency's regular business, Monaghan says. Expanding programs to a statewide operation also requires a great deal ...

...ents, written safety plans, sexual abuse policies and safety evaluations of eq...

...tain a workplace free of substance abuse without jeopardizing valued employee'... Search for competitive homeowners program for protection class 6 through 9 ...