Preventive Benefits Are a Win-Win

November 16, 2018News

The Affordable Care Act requires non-grandfathered health benefit plans to offer preventive benefits with no cost sharing. While this is an inflexible legal mandate, there are valuable long-term gains when employees use these benefits. These gains include having healthier and more productive employees and catching chronic health conditions in the early stages before they become … Read More

Employers Have a Responsibility to Their Employees

November 12, 2018News

Employers in Arizona are not only bound by the Arizona Workers’ Compensation Act (WCA) but by their responsibility as leaders of people to ensure their employees are covered for work-related injuries, diseases, or deaths. The WCA establishes the responsibilities that relate to an employer’s rights and responsibilities when it comes to workers’ compensation in Arizona, … Read More

International Trade Credit Can Minimize Risk in an Uncertain Trade Environment

September 6, 2018News

The U.S. government’s steel and aluminum tariffs recently went into effect, and in response, some of our trading partners have implemented retaliatory tariffs on U.S. goods. Specifically, retaliatory tariffs from China, India and Turkey will directly impact the agricultural market and has the potential to put California almonds at a competitive disadvantage. With no clear … Read More

Workers’ Compensation Update: Stop Paying First Aid Medical Bills Directly to Clinics

July 25, 2018News

Businesses in California who previously made arrangements with their medical clinic to directly pay for medical treatment bills for “first aid” claims will no longer receive the benefit of their workers’ compensation experience modification rating being unaffected. Starting January 1, 2019, the California Workers’ Compensation Insurance Rating Bureau (WCIRB) will be changing the calculation methodology … Read More

Crop Insurance: Even Specialty Crops Can Benefit

February 22, 2018News

When farmers talk about crop insurance, most immediately think of insurance for traditional field crops such as wheat, feed grains, oilseeds, cotton, rice, peanuts, and tobacco. Over the years, specialty crop producers are increasingly being offered and, in some cases, mandated to obtain crop insurance. Specialty Crops In fact, looking into the future, one of … Read More

Insurance Products Available to Protect Against Wildfire Damage

February 22, 2018News

Wildfires recently raged throughout California, causing damage to crops and agriculture-related industries. While there are many types of risk protection available, there are two coverages not commonly referenced during a wildfire crisis: Crop Insurance and Weather Risk options. Crop Insurance has the ability to protect the remaining crop as long as the fire (or fires) … Read More

When Food Disaster Strikes, Being “Shielded” Matters

February 22, 2018News

Food recalls, product defects, contamination events, oh my. These are just a few examples of the potential food contamination disasters that can detrimentally disrupt the supply chain and quickly become a major financial nightmare for all parties involved. Costs from a product recall or contamination can easily cripple even the most conscientious organizations, and understanding … Read More

WGIS Hosts Food Safety Workshop at Almond Alliance Convention

February 22, 2018News

The importance of food safety took center stage today at the Almond Alliance Conference during the “Food Safety: Surveying the Legal Risk Landscape” session, sponsored by Western Growers Insurance Services (WGIS). During the session, Faegre Baker Daniels Attorney Rachael D. Spiegel provided a detailed overview of the Food Safety Modernization Act and foodborne illness litigation. … Read More

2017: The Year California Burned From North to South

February 22, 2018News

At the time of this writing, the massive inferno of the Thomas fire is finally under control, at 92 percent contained. This fire, the largest in California’s history, has ravaged more than 280,000 acres and destroyed hundreds of homes and businesses—many of which are of Western Growers members. And to top it off, the Thomas … Read More

Changes to Reporting First Aid Claims Now in Effect

January 18, 2017News

By Ken Cooper, WGIS Director of Risk Strategy As of January 2017, insurers are now required to report all claims to the California Workers’ Compensation Insurance Rating Bureau (WCIRB). These include claims for which any medical care is provided and medical costs are incurred, including those involving first aid treatment, even if the insurer did not make … Read More