We Take Care of the Risk so You can Take Care of your Growing Business

Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology.
With ten branch offices coast-to-coast and approximately 450 staff, Heffernans reach spans virtually every industry. Heffernan will evaluate your current plan, your unique community and emerging trends in the industry and consult with you to develop a customized risk management solution. 

Contact me today to learn more about the best possible insurance for your needs.

M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
Email brantw@heffins.com
Office 800-234-6787
Mobile  925-330-1151 

Careful Hiring Practices: An Essential Step in Reducing the Incidence of Workers’ Compensation Claims

The home health industry needs workers. The Bureau of Labor Statistics predicts an increase of 1,208,800 new home health aide and personal care aide positions between 2016 and 2026.  Finding workers to fill those positions may be difficult, leading to worries of a major worker shortage. But despite the need for workers, there’s also a need for smart hiring practices. To keep workers’ compensation claims down, employers must take precautions.

Workers’ Compensation Claims

Home health workers face risks that can lead to injuries, and these injuries can lead to workers’ compensation claims. These risks include:

  • Musculoskeletal injuries, often the result of lifting or maneuvering patients
  • Automobile crashes, which can occur when workers drive from one patient’s home to another
  • Assaults, which can occur if patients or others become violent
  • Other accidents, such as tripping and falling, which can occur because workers are constantly visiting different homes with unique layouts and risks

These risks can be made worse if workers are not physically capable of performing essential duties, such as lifting or maneuvering patients, or if they use poor techniques when doing heavy lifting. Dangerous driving habits and criminal tendencies – including filing fraudulent claims – can also result in expensive workers’ compensation claims.

Although these risks cannot be eliminated entirely, careful hiring practices can reduce them.

Careful Hiring Practices

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We can make a very favorable impact on your commercial insurance placements

As an insurance broker dedicated to the senior living sector, I am amazed and impressed by how many of our current and future clients have expanded their resident services offerings in order to meet increased acuity levels and the socialization needs of residents and their families given the regulatory, legal and labor climate challenges that exist.
At the same time, the commercial insurance marketplace has become increasingly challenging given the recent tragic natural disasters, the withdrawal of casualty insurance carriers form the marketplace, and the increasingly hostile litigation environment.Heffernan continues to offer a client platform that features unique carrier access and proactive, and hands on advocacy in the rapidly changing and challenging commercial insurance marketplace. I believe the odds are very good that we can make a very favorable impact on your commercial insurance placements via a fiercely proactive brokerage experience.
Would you be open to updating me on your current placement and interest level in a brief conversation or email exchange?   10 minutes or so should be enough time for us to determine if next steps are mutually beneficial.Thank you for your ongoing consideration!

Brant Watson
Senior VP
D: 925.295.2506
C: 925.330.1151
brantw@heffins.com

Heffernan Insurance Brokers

How the Gig Economy is Impacting Insurance

How many employees does your company have? The question is not always as straightforward as it seems. In addition to the difficulties caused by turnover and counting part-time employees, we have a new complication. Gig workers are generally considered contractors, but this classification is being challenged. If these challenges succeed, many companies may have far more employees than they realize. This would have a significant impact on insurance.
Independent Contractors vs Employees
The line separating independent contractors from employees can get blurry. According to the IRS, “The general rule is that an individual is an independent contractor if the payer has the right to control or direct only the result of the work, not what will be done and how it will be done.” To determine whether a worker is an employee, it’s necessary to look at three areas: behavioral control, financial control and the relationship. 

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Just give me a call for more information.
Let us know how we can help.

brant
Brant Watson
 Senior VP
D: 925.295.2506  
C: 925.330.1151
brantw@heffins.com