So you’ve built your wellness program.  After engaging your employees in your wellness efforts, the next step you should consider is widening your focus to include dependents, spouses and partners in the program. 

Few companies include family members of their employees in wellness programs, but why shouldn’t they? 

If the family is included in your health plan, their wellness impacts your ultimate costs.  Beyond that, the social support that kids and significant others bring to your employees’ wellness efforts can have a huge impact on their health outcomes. 

Family members can easily log their activities, healthy eating habits, or weigh in remotely to participate in your wellness programs (especially if you use an online system for tracking wellness rewards).  If you involve families, it may also be easier to get participation at after-hours or weekend events like charity walks or group fitness activities. 

New changes from the FMCSA could affect when carriers are audited and what happens as a result of those audits. We recently sat down with Don Jerrell to discuss how the changes will influence drivers and what carriers can do to prepare. 

With a hard market on the way for the insurance industry, it’s more important now than ever to shore up your safety program (although developing a safety culture should always be a focus, no matter what the market conditions.)  With market conditions growing continuously more difficult, a safety program can have a significant impact on your premium.

One of the most important risk management concepts to understand is the idea of the Total Cost of Risk. The face value of your insurance premium and any claims you have only scratches the surface of what your risk can really cost you.

MIKE NATALIZIO
President & CEO

Sometimes we take our business just a little too seriously.  If you were on the outside looking in, how would you disrupt your current business model?  

This is the first time in history where there are four generations in the workforce at the same time.  Communicating with this diverse group, not to mention engaging them, can be a major challenge for workers of every age. 

This is the first in a series of video safety tips by our resident safety expert Chad Tisonik that we'll be publishing to our blog.  To learn more safety basics, check out our August 23rd HNI U webinar “Safety Basics for the Non-Safety Professional” and share with your team. [We only have 4 slots left, so sign up asap if you're interested!]

Insurance is intended to be a risk transfer process for those things you cannot anticipate, or those losses or costs you cannot (or choose not) to bear.