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The National Hurricane Center’s declaration that Sandy became a “post–tropical storm” just before it made landfall, provided cost savings to homeowners along the northeast coast. Although Sandy was designated a hurricane for the majority of time it traveled up the coast, it failed to sustain hurricane-force winds at landfall, so it was officially a tropical storm. … Read more

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Since Florida is one of only a few workers’ compensation administered pricing states in the nation, rate changes approved by the Office of Insurance Regulation (OIR) have an immediate impact on the majority of businesses operating in the state. Rate changes are effective January 1st of every year, and since the legislative reform in 2003, Florida saw average rate decreases every year through 2010. January 1, 2013 will mark the third consecutive year of workers’ compensation rate increases. … Read more

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Ever wonder why so many people get colds or flus in January and February? As the days grow shorter and the nights grow longer, there is literally less energy available for life. That’s why the trees have dropped their leaves and many animals have started hibernating. With shopping, social gatherings and end-of-year obligations, however, we humans go against nature — increasing our activity and stress levels at exactly the time that the body wants us to be decreasing them. So here are the top six tips on how to manage holiday stress this season. Read more

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While the holiday season is certainly a fun and joyous time, employers must remember that various wage and hour pitfalls are lurking and could snare an unwary business this holiday season. Many employers often find themselves during the holiday season with more work to be done and dwindling time to complete it. Some employers will hire temporary, seasonal employees to help manage the work crunch, while others will ask their existing workforce to put in more hours. Regardless of how an employer handles the increased workload, it must be cognizant of the associated wage and hour risks. Keep in mind the following checklist of wage and hour issues to help ensure you do not violate applicable laws:… Read more

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It is the holiday season, a time for office parties and charity events. While gatherings can provide opportunities for professionals to mingle casually with their co-workers and clients and can help boost employee morale, they can also prove to be a liability for businesses that serve alcohol. The United States Department of Labor states that holding an office holiday party with improper use of alcohol can make employers vulnerable to liability under tort, workers’ compensation, or other laws. That is why businesses should take reasonable precautions to prevent any risks and financially protect themselves by making sure they have the proper insurance. … Read more

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