EMC Insurance: The Basics of Your Experience Modification Factor

Managing and understanding workers’ compensation insurance costs is a difficult task, says EMC Industrial Hygienist Krista Scott. You’ve likely heard the term “experience modification factor” aka “experience mod,” and Krista says that this concept is one key to managing insurance costs. The Basics: The experience mod is a numerical representation...

Travelers Insurance: Two Types of Liability

An important part of understanding your responsibility for products and services is to understand how that responsibility is defined by law. Although various states and countries have differing...

A Recent Report by Lockton Companies Brings a New Spin on the Work Comp Lag Time Debate.

Reporting lag time is defined as the time between the onset of a work injury and the point at which a claim is filed with the insurer. Lag time has been a hot topic in the workers’ compensation debate...

Travelers Insurance: 6 Behavioral Interviewing Tips

An in-person interview can be a critical step in the hiring process and can help a recruiter or hiring manager determine whether a job candidate fits the organizational safety culture and core safety...

Happy Thanksgiving!

All of us at Zeiler Insurance Services, Inc. wish you a blessed Thanksgiving! Our offices will be closed on Thursday, November 22nd and Friday, November 23rd. Should there be an emergency, please call...

Why is Business Continuity Important?

Companies today face an unprecedented number of exposures. The frequency and severity of weather-related events seem to be increasing and reliance on a complex network of technology and supply chains...

Travelers Insurance: Preventing Frozen Pipes for Businesses

Winter is around the corner and cold temperatures can reach areas of your facility that you cannot see or seldom visit, such as: ·        Crawl spaces; ·        Closets; ·        Enclosed spaces...

October is National Cyber Security Awareness Month

Cyber threats have become a common occurrence for all businesses, but in spite of the increased risk of cyber attacks, many companies are not heeding the potential threat to their own...

Ergonomics for the Road Warrior

The modern office for the road warrior could find you working anywhere at any time, from early mornings at the corner coffee shop to red-eye flights at your airplane’s seatback tray table. You...

Motor Vehicle Accidents in Workers Compensation

Today’s cutting-edge technology allows cars to steer themselves, maintain safe following distances, brake automatically, and warn drivers of nearby vehicles. Yet, despite these safety...

What is errors and omissions insurance?

As you may know, business liability insurance covers losses related to bodily injury, property damage or advertising injury. But what happens, and who pays, when a printer neglects to catch...

This is why a Clear Desk Policy is Smart for Every Business

We all have that coworker (or maybe we ARE that coworker) with the messy desk. Stacks of papers, post-it notes, pens, pencils, note tablets, folders, daily calendars, and any number of objects...

Business Identity Theft: An Emerging Threat

Individuals are not the only ones at risk of identity theft. Increasingly, businesses are struggling with criminal use of their identity for tax fraud, credit card and other financial fraud, as well...

3 Insurance Gambles That Put Your Business at Risk

Much like sunscreen, business insurance is one of those things you don’t realize how important it is until you’ve been burned: A lot of entrepreneurs don’t have it, and those who do, may not be...

Opioids: How Are They Affecting Your Workplace?

We hear a lot about the opioid epidemic in our country, that is, the use and abuse of pain medications including oxycodone, hydrocodone, morphine and fentanyl. These medications were nearly unheard of...

Understanding Inland Marine Insurance

Don’t let the term “inland marine” confuse you. As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment...

What’s the difference between an Additional Insured and a Certificate Holder?

The key difference between an additional insured and a certificate holder comes down to whether you have coverage under someone else’s insurance policy. This only applies if you’re named as...

Happy 4th of July!

Zeiler Insurance Services, Inc. wishes you and your family a safe and happy 4th of July! Our offices will be closing at 1:00pm on Tuesday, July 3rd and we will be closed the entire day on Wednesday,...

Refer a friend and receive a $25 Amazon gift card!

A majority of our customers come from referrals - we are grateful for the trust each of you put into us. That is why we want to give back by giving a $25 Amazon gift card for each referral. If you...

Employment Practices Liability & Equal Employment Opportunity Statements

To qualify for Employment Practices Liability some insurance companies require you to submit your Equal Employment Opportunity Statements. What is this you may ask? Well it is that small statement you...
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