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...ype of insurance because general liability insurance does not protect against ...

... Miscellaneous Medical (doctors, clinics, hospitals, laboratories, l...

...mp in malpractice claims faced by doctors and health providers is simple: Rand...

...ess Owners Policy (BOP) combines liability and property coverages into one con...

The use of narcotics in treating injured workers faces heavy scrutiny today - and for good reason. The latest National Council on Compensation Insurance, Inc. (NCCI) Annual Issues Symposium found that: The average cost of narcotics per Workers Comp claim rose from $39 in 2003 to $59 in 2011. This is a rate of 0.79 narcotic prescriptions per claim, up from 0.56 in 2003 - a 14% increase in eight years. More than 5% percent of Comp claims that resulted in at least one prescription for if anymedication included five or more narcotics prescriptions. To curb the prescribing of narcotics for your injured employees, start by choosing the right Workers Comp physician. In most states, businesses have the legal right to designate the physician that injured employees must use. To find a physician in your area who is board certified in Occupational Medicine, go to http://www.acoem.org/. If none is available, look for a doctor who takes patients on Workers Compensation. In many cases, urgent care clinics make great partners. Once you find a physician, talk to him or her about your business, discuss your return-to-work program and the types of transitional jobs you offer - and ask about their attitude toward prescribing narcotics. Even if state law prohibits you from requiring injured workers to see a specific physician, you can still suggest that they do so. For example, you might say, "Doctor Joan at Acme Urgent Care has treated many of your co-workers and they've gotten better quickly." Selecting a doctor who doesn't dispense drugs and only prescribes narcotics when they're are absolutely necessary can go far to help injured employees get back to work and be healthy and productive as swiftly as possible - while keeping your Workers Comp costs under control.

...of agencies are employing nurses, doctors, medical technicians, medical assist...

From http://www.propertycasualty360.com Risqué Risks Issues can arise when adults wear costumes—especially those considered to be provocative—to work. Sexual harassment and other actions that fall under behavior related to hostile work environments have become prevalent in employment law disputes. A female sales employee filed a sexual harassment lawsuit when a male manager made lewd comments about her doctor costume. He unbuckled his pants, motioned to his groin, and said, “Here, Doctor. It hurts here.” The defendant was ordered to pay a civil penalty of $50,000 and related attorney fees for the plaintiff at the conclusion of Devane v. Sears Home Improvement Products Inc. Crazy Right?!

Springtime is known for many things, including beautiful blooming plants and flowers.  Getting ready to plant new crops, warmer weather, longer days and allergies. Allergies bring watery, itchy, irritated eyes; runny noses; uncontrollable sneezing and plain sinus misery.  The most common allergies come from pollens, animal dander, mold spores, dust mite and cockroaches allergens. Here are a few tips to help you with your allergies this Spring season: Head over to the pharmacy and stock up on allergy medications.  Talk with your doctor to see which ones will work the best for you.  Antihistamines, decongestants and nasal sprays should be at the top of your list. You can also ask about allergy shots.   An allergy shot could mean the end all of all allergy medications. Dehumidifers and air purifiers work great in the home. Get mattress and pillow coverings.  Mattresses and pillows host a ton of allergens.  Getting a cover for the mattress and pillow and washing them once a week or so, will keep allergens to a minimum. Before settling on any specific medical treatment for your allergies, please consult your doctor for the best treatment plan. Content provided by Transformer Marketing.

...outside the workplace: Nurses and doctors aid the injured or ill; contractors ...

Warmer weather means more people enjoying outdoor activities. But extreme temperatures have killed more people in recent years than other natural disasters combined.1 Between 1999 and 2009, an average of 658 heat-related deaths occurred per year.2 Turning the Heat Down – Preventing Heat Stroke and Heat Exhaustion Whether you are working or playing in the sun, the risk of heat exhaustion and heat stroke increases with the temperature. The following tips can help you stay safe: Drink ample cool water throughout the day. Avoid excessive alcohol and caffeine, soda or fruit juice. 3 Wear a hat and light-colored clothing. 4 Try to limit exertion to cooler periods of the day. Take frequent breaks and rest if feeling weak. Be aware that some medications may make you more vulnerable to sun and heat exposure. If air temperature is higher than 95° F, fans will be ineffective and air conditioning should be used instead. Apply wet towels or headbands to help beat the heat. Help replace lost fluids from your body with water or sports drinks.5 Heat Injury - Know the Warning Signs Heat exhaustion and heat stroke are the most common problems when the body is exposed to excessive temperatures.6 Heat exhaustion results when you spend long periods of time exposed to high temperatures and your body gets too hot. Symptoms  Symptoms of heat exhaustion can include, but are not limited to: Dizziness Weakness Headaches Blurred vision Nausea Staggering Paleness Profuse sweating Weak pulse Faint breathing Unconsciousness Treatment  The following tips can help treat heat exhaustion: Go to a shady location or a room with air conditioning Lie down and stay calm Take frequent small sips of cool water or a sports drink Call the doctor if symptoms persist as heat exhaustion can quickly become heat stroke. Heat stroke can potentially be life threatening since it can cause you to lose the ability to sweat and control body temperature. Symptoms Symptoms of heat stroke can include, but are not limited to: Severe headache Face is red and skin is hot and dry No sweating Pulse is strong and very fast Vomiting and diarrhea Fever Confusion Convulsions Unconsciousness Treatment If you believe a co-worker or loved one is suffering from heat stroke,call 911 immediately and follow directions given by emergency personnel. Move the person to a room with air conditioning or to the shade to help cool him or her and loosen his or her clothing. Sources: 1 http://www.redcross.org/news/article/How-to-Stay-Safe-While-The-Heat-Is-On 2 http://www.cdc.gov/mmwr/preview/mmwrhtml/mm6222a1.htm 3 http://www.ncceh.ca/en/major_projects/heat_advice/alcohol_caffeine 4 http://www.redcross.org/news/press-release/American-Red-Cross-Tips-to-Beat-the-Heat 5 http://orthoinfo.aaos.org/topic.cfm?topic=a00319 6 http://www.cdc.gov/extremeheat/warning.html