Knowledge Center

Background Manual material handling (MMH) type incidents impact 72% of Graham clients.  In the last 5 years, MMH is the 2nd leading cause of incidents for Graham clients in terms of frequency of claims (# of incidents) and the leading cause in terms of severity of claims ($ incurred).  The average total incurred cost of […]

FAQ on Return to Work and Employee Infections July 21, 2020 With many businesses re-opening their doors to customers and more employees returning to work, it is more important than ever to have a written plan regarding what to do in the event an employee has a confirmed or suspected case of COVID-19.  To help filter the […]

COVID-19 Business Interruption Insurance Coverage – A Quick Update July 14, 2020 To recap, business interruption claims arising out of the presence of COVID-19 in the workplace and caused by the various state and local closure orders has been hampered by two limitations in property insurance policies: 1) the existence of virus exclusions and 2) […]

COVID-19 Business Interruption Insurance Coverage – Court Decisions Update #2 August 20, 2020 To recap, business interruption claims arising out of the presence of COVID-19 in the workplace and caused by the various state and local closure orders has been hampered by two limitations in property insurance policies: 1) the existence of virus exclusions and […]

Liability Waivers to Protect Your Organization from COVID-19 Claims July 13, 2020 With employees returning to work and companies reopening their businesses to customers, visitors and guests, businesses are looking for ways to limit liability related to potential COVID-19 claims. To do so, many are considering waivers for customers and visitors.  In the context of […]

As Americans begin to return to work while still avoiding public places, truckers have been on the front lines throughout the entire COVID-19 pandemic, delivering vital medical equipment to health care workers and key staples for our households. Often overlooked, truckers have diligently worked under incredibly tough conditions and risen to the challenge.    There’s an old saying “If you bought it, a truck brought it” and it certainly still rings true. In […]

COVID-19: Revised Guidance on Recording Cases and Enforcement Response Plan June 15, 2020 OSHA continues to issue and revise COVID-19 enforcement guidance. This article will bring you up-to-speed on two recently issued enforcement guidance documents updates. Update #1: OSHA’s Revised Enforcement Guidance for Recording Cases of COVID-19: May 26, 2020 OSHA Update Link OSHA had previously issued […]

COVID-19: How Should Employers Handle Carrier Premium Credits? June 11, 2020 Many fully-insured carriers are offering premium credits, temporarily reducing future monthly premiums. It started with carriers offering these premium credits for group dental and vision coverage, and now some carriers are offering similar credits for group medical premiums. Employers receiving such credits are asking […]

COVID-19: Employee Exposure & Employer Resource FAQ June 10, 2020 The following post highlights employer FAQs related to employee exposure. A PDF of the below information can be found here. For additional COVID-19 resources and risk management recommendations, please visit our COVID-19 Risk Management Center. 1. What to do when an employee tests positive for COVID-19? […]

Employment Claims – Preparing for the Next COVID-19 Wave May 29, 2020 Due to the COVID-19 pandemic, many Americans are following “stay at home” guidelines, and both businesses and individuals are confronting the related financial and economic impact. According to the U.S. Bureau of Labor Statistics news release on 5/22/2020, unemployment rates were higher in […]