Repetitive Motion, CTS and WC claims

by Rebecca “Beckie” Menard, Claims Specialist in Claims Matters

Many workers must perform repetitive motions as part of their daily workflow. While we can see injury from repetitive motion in any joint that is used over and over, the most common type by far is when the condition occurs …

What Is a Named Insured?

by James “Jim” A. Hummingbird in Account Executive Matters

A “First Named Insured” is, by definition, exactly as it sounds — that is, the first named insured is the person or business who is explicitly named on the insurance contract/policy. If you are the first named insured, your name …

There is a global pandemic that continues to impact our world and change how we conduct business. It has resulted in millions of people struggling to study or work from home, while many others have been furloughed from their jobs …

While this may not be an exhaustive list, here are some key factors to consider: Review official guidance. Read and make sure you understand applicable federal, state and local orders, directives and guidelines, including information from OSHA and the CDC. …

Lightning Safety

by Craig S. Rapp in Safety Matters

Did you know there is no safe place outside when you get caught in a thunderstorm? According to the experts at the National Weather Service, if you can hear thunder, you are within lightning-strike distance. This should be all that …

Any company can be exposed to risk when hiring the services of outside independent contractors or subcontractors. The goal of any business owner or risk manager is to reduce exposures and protect their organization’s financial interests. Transfer of risk to …

Hurricane Preparedness and COVID-19

by Marilyn A. Blake, AU, CRM in Safety Matters

Preparing for hurricane season (typically June 1-Nov. 30) is stressful. Doing so during a pandemic can be especially stressful. If you live in an area prone to hurricanes, please do not delay in preparing, as there have already been more …

We offer our congratulations to the following Telcom family members: Tasos Tsolakis, who has been hired for the newly established role of CEO at JSI. He will lead JSI’s strategic vision and growth initiatives, as well as product and service …

Your business income and extra expense (BI/EE) limit is very important when it comes to your property coverage. This limit comes into play when you have direct physical damage or loss to property. This could be through a natural disaster …

Common Trends of WC Claims

by Rebecca “Beckie” Menard, Claims Specialist in Claims Matters

Each and every day, many claims pass across my desk. I review and read claim descriptions, which explain the circumstances and facts of how the loss occurred. And I’ve observed that over the years, many of them are, unfortunately, very …

Memorial Day, May 25 Memorial Day is a federal holiday in the United States for remembering the people who died while serving in the country’s armed forces. The holiday, which is observed every year on the last Monday of May, …

Running Essential Errands Grocery shopping, meal takeouts, banking, getting gas, doctor visits — these are among the basic errands that are presenting challenges and questions as communities across the United States take steps to slow the spread of COVID-19 by …

The Rapp Sheet

by Craig Rapp in Safety Matters

Each year the National Safety Council designates certain months to focus our safety efforts. April and June are two such months. April is Distracted Driver Awareness Month. This year marked the 10th anniversary of this important safety month. We still …

We would like to welcome the following new members to our Telcom P&C and/or D&O family: Rockwell Cooperative Telephone Association (Iowa), BPS Telephone Co. (Missouri), Stratford Mutual Telephone (Iowa) and Kansas Fiber Network (Kansas). Upcoming Holidays: Our offices will be …

Wrongful Termination

by Todd N. Travis, AU in Underwriting Matters

“It was Johnson, Sir!” “Johnson, you’re fired!” Thus begins what can be a long journey down the road of wrongful termination and its legalities. Susan M. Heathfield, a noted human resources professional, describes wrongful termination in her article on About.com …

These are certainly unprecedented times, and the rules of engagement and social distancing are ever evolving to try to flatten the curve of the COVID-19 virus. Regarding the upcoming Risk Management Conference, currently scheduled for July 12-14, we are hoping …

TIG Subscribers Can Receive up to 50% Premium Credit on Their TIG Cyber Policy NTCA–The Rural Broadband Association recently launched a cybersecurity product created especially for small broadband providers. CyberShare — based on a 2019 pilot program NTCA conducted after …

These are unprecedented times. The ongoing COVID-19 pandemic has forced us to reevaluate how we interact with one another. We are asked to quarantine ourselves, isolate and keep six feet away from others. We are wearing masks and gloves when …

Bullying is a problem that affects millions of students, and it has everyone worried, not just the kids on its receiving end. Parents, teachers and other adults don’t always see it. So, they may not understand how extreme bullying can …

You have options when it comes to paying your invoices from Telcom Insurance Group. We do not take credit cards, and we’ve always had the vast majority of our policyholders pay us with a check. This year we have seen …

The Rapp Sheet

by Craig Rapp in Safety Matters

This quarter I’ve been tasked with writing about the importance of first-aid/CPR training. I couldn’t be happier. I’ve been a First Aid/CPR Instructor for over 20 years now. I enjoy knowing that there is a possibility I may have inadvertently …

Myth: Only those who are in a special flood hazard area can buy flood insurance. Fact: Flood insurance can be purchased by anyone who lives in a participating community, which must enforce floodplain ordinances and building requirements that meet or …

Although it may currently be the season for swooshing and sashaying down the winter slopes, it won’t be long before the snowpack melts, spring rains and summer storms are upon us, and flooding begins. Let’s take a few minutes to …

With the start of the new decade and with our new family of insureds that have joined us, I would like to take a minute and share the importance of the Telcom Excel “workbook.” During the renewal process, many times …

Each day your outside employees probably spend a considerable amount of time in their vehicles. They drive to and from various job sites to perform their daily tasks for your customers, traveling along beautiful countryside on roads in your rural …

When: July 12-14 Where: The Omni Grove Park Inn https://www.omnihotels.com/hotels/asheville-grove-park Rates: $299, single or double (Run of House) Hotel highlights: 513 luxurious guest rooms including 14 suites and 28 rooms on a private, adults only Club Floor 18-hole, Donald Ross-designed …

It’s an exciting time in our industry. Because we know you have a busy schedule, we thought we’d let you know where we’re going to be during the upcoming RTIME Meeting & Expo so that we can connect with you …

We would like to welcome the following new members to our Telcom P&C and/or D&O family: Indiana Fiber Network, Farmers Mutual Telephone, Pierce Telecommunications, Titonka-Burt Communications and Nunn Telephone. Upcoming Holidays: Our offices will be closed on Monday, Feb. 17, …

We are already a month into 2020 — how are your resolutions going? Many of us set goals to lose weight, to exercise regularly, volunteer in our community or otherwise make changes that improve our lives going forward. Telcom Insurance …

Fire Safety Contest – 2015