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Insights

Do You Love Your Valentine's Day Gift? Insure it!

Posted by on February 15, 2016

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Valentine’s Day. For some of us, this entailed a romantic date night or a gift for that special someone. Year after year, approximately 25% of Americans purchase jewelry, spending an average of $2,000 per year. In 2014, $50 million was spent on jewelry purchased solely for Valentine’s Day. Other popular gifts include electronics, artwork, antiques and wine. If you are anything like me, Valentine’s Day means big, pink heart-shaped boxes of assorted chocolates for 50% off on February 15th. But hey, different strokes for different folks.

If you are one of the jewelry-buyers mentioned in the statistics above, you may need to consider insuring these special items. While homeowners insurance typically covers valuables, it has its limits. Policies often restrict the dollar amount of coverage for individual valuable items and put a cap on coverage for certain categories of possessions. Homeowners insurance also limits coverage depending on how the damage was done. For example, certain perilous events such as fires, lightning, and windstorms might be covered, but simply dropping your ring down drain in the kitchen sink is not.


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Employers who sponsor a group health plan must disclose whether the plan's prescription drug coverage is creditable or not, based on Medicare Part D coverage.  Your carrier/TPA/PBM should provide you with a determination of creditable coverage status to use for tailoring the appropriate disclosures to the Centers for Medicare & Medicaid Services (CMS) and to Part D eligible individuals who are covered under, or who apply for, the health plan.


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Enterprise-level risk management is more than finding a broker to shop your current insurance plan to get you the cheapest deal. Understanding your industry has specialized areas of concern means we do not use a “one size fits all” approach. Our risk consultants utilize the Guideline Process to help a business lower costs while creating a more risk intelligent culture at their organization. Whether your risk is focused around property and casualty or providing health benefits to your company's employees, the Guideline combines technology with our team's years of experience to create an intentional plan that will help you save on your premiums. 

Working with your risk consultants to enhance your company’s resources, Cobbs Allen provides various client service teams to help lower your cost centers and address your “hot buttons.”

These service areas include: HR Consulting, Health Management/Wellness, Safety/Loss Control/Industrial Hygiene, Claims Advocacy, Workers’ Compensation Claims, Employee Benefits Compliance, and Employee Communications & Engagement.

Our clients enjoy a high level of service and a sense of partnership. This comes from Cobbs Allen recognizing that there is more to insurance than writing a policy. The enclosed broker comparison checklist outlines Cobbs Allen’s commitment to serving our clients. It illustrates the services that differentiate us from the rest of the broker community and provides a convenient way for you to see for yourself how Cobbs Allen can assist you with all of your risk needs.


Cobbs Allen Hires Client Executive Kelli Nichols

Posted by on February 3, 2016

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Cobbs Allen is excited to announce the addition of client executive, Kelli Nichols. Kelli recently joined our employee benefits department, bringing 14 years of industry experience. Prior to joining Cobbs Allen, Kelli worked for 10 years as a care coordinator for Behavioral Health Systems, a local psychiatric-managed care company. She then took on the role of relationship manager at Flexcorp/TASC, working directly with employers and providing assistance with their FSA, HRA, and COBRA benefits. For the past year, she has served as a group insurance benefits manager at Murfee Meadows, Inc. In that role, Kelli provided ongoing support to group insurance clients, acted as a liaison between clients and carriers, and assisted with marketing efforts for new and existing clients. Kelli received a Bachelor of Arts from Auburn University and a Master of Arts from the University of Alabama at Birmingham. 

We are very excited about this addition and look forward to seeing the assets that Kelli can bring to the Cobbs Allen team!


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Free webinar series aimed at helping companies more effectively manage their risk exposures and safety concerns

Risk Management Center Overview

Learn more about the Risk Management Center, a unique web-based software suite of safety and risk management tools designed to empower your organization's risk prevention efforts. The Risk Management Center is right for any organization that wants to:
  • Proactively manage risk exposures
  • Develop effective workplace safety programs
  • Reduce claims, losses, and associated costs
The risk management platform has recently been upgraded to enhance and streamline your risk management and occupational health and safety strategy. Attend this webinar to learn "what's new" and how to utilize the new features to enable maximum productivity.
 
Dates:
February 2, 3:00 PM CT
February 11, 11:00 AM CT
February 16, 3:00 PM CT
February 25, 11:00 AM CT

Injury and Illness Prevention (IIPP) Development Using the Risk Management Center

Creating a comprehensive IIPP is an essential step to stay compliant, reduce costs associated with injuries, and create a safety culture at your workplace. IIPP's are required in 15 states, and are recommended as a best practice by OSHA. 

This webinar will cover the basic areas that need to be addressed in a written IIPP. It will describe how to write and implement an IIPP specific to your workplace. It will also describe how to find sample written forms in the Risk Management Center, plus which applications can help you successfully implement an IIPP.

Dates:
February 18, 11:00 AM CT
Click here to register

Safety Data Sheet and Hazard Communication Plan Management

Join us for a Safety Data Sheet (SDS) management webinar to train you on the key elements for successful administration of your hazardous substances. Learn about the new format for SDSs, which is part of OSHA's revised Hazard Communication Standard, and how to easily maintain your hazardous materials database.

This 30-minute awareness-level overview webinar highlights the importance of SDSs and how to effectively implement a Hazard Communication Plan.

Dates:
February 22, 3:00 PM CT
Click here to register
 

Resolve to Be Safe: Safety Best Practices for the New Year

The beginning of the year is a great time to review and update your safety programs. Learn how the Risk Management Center can be used to improve your organization's policies, procedures, and training, and easily develop an updated risk management and safety program. The webinar will cover the following applications in detail:

  • The Risk Management Library: a database of customizable resources
  • My Content: an application that allows you to customize Library documents and add your own company-specific materials
  • Training Track™: an application to manage all aspects of employee training

This webinar will be delivered by a certified safety and health expert. Ensure your organization's risk management programs are up-to-date for 2016.

Dates:
February 3, 3:00 PM CT
Click here to register

OSHA 300 Reporting Made Easy with Incident Track®

If an organization has 10 or more employees, it is required to complete OSHA's injury and illness record keeping forms on an ongoing basis. These records will be requested during any OSHA visit. Further, the OSHA 300A Summary must be posted in a public workplace area from February 1 until April 30. Organizations can incur a citation and fine if they do not comply with these regulations. 

Attending this webinar will help you understand OSHA's posting requirements and how to utilize Incident Track to complete and post OSHA 300 logs. This overview will be delivered by our certified safety and health experts.

Dates:
February 8, 3:00 PM CT
Click here to register




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Webinars begin at 11:00 AM Central Standard Time unless otherwise indicated. Click the link to register and include Cobbs Allen as the BAN firm that invited you. 


February 17, Beating Benefits Bewilderment: Guidelines to Make Your Benefits Communication a Lot More Engaging, David Daskal

Join David Daskal from Jellyvision as he shares some simple, time-tested ways to engage your employees about all things benefits better than ever before.

David will discuss both high-tech and low-tech ways to:​

  • Make benefits communications exciting for employees
  • Communicate benefits in plain English
  • Personalize benefits communication
  • Use appropriate humor
  • Listen to your employees
  • Provide meaningful guidance

You'll learn to squash enrollment confusion, save time and money, AND win the beaming admiration of your boss.

PASSWORD: BBB1702
Click to register


February 24, HR Technology: Human Capital Management Technology, Jamie Hawkins and Anne Burkett

PASSWORD: HRT2402
Click to register


Cobbs Allen Holds Active Shooter Training

Posted by on February 1, 2016

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Cobbs Allen associates recently had the opportunity to take part in an active shooter training course led by Lt. Ryan Bennett of the Alabama Law Enforcement Agency, Marine Police Division. Lt. Bennett is very experienced and knowledgeable about the topic and was able to engage participants in discussion about the matter. This company-wide discussion took place in response to the increasing number of mass shootings, defined as an incident where four or more people are killed or injured. 

Unfortunately, no one is immune to these tragedies, and it is important to be prepared in the case of a dangerous scenario. While these incidents are unpredictable and evolve quickly, there are often warning signs and actions that can be taken once you learn to identify intelligent options when confronted with an active shooter situation. Here are some of the ways that groups can prepare:


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