Please File Claims

by David Dickie on 09/26/17

It is vitally important that any incident that a reasonable person thinks might result in a claim should be reported to your insurer. There are notice requirements buried in all liability and crime policies; let's not give insurers an excuse to decline claims!

Potential claim incidents are like milk left on the counter at a vacated rental house - the situation does not improve with time.

Cyber Security

by David Dickie on 07/17/17

Cyber Security Scares Me

We are very concerned with network security here at The Solutions Group, particularly after we were hit with a ransomware virus that locked down our server for three very scary days. As a result of our concern we hired a cyber security company, KnowBe4, to assess our vulnerabilities. As part of that process we ran a ‘phishing test’ which sent fake spam e-mails to all of our employees. These ranged in sophistication from ‘Prince of Cameroon with $14,000,000 US Dollars’ to ‘Your bank statement is attached’. My anticipation was that no one would click on these e-mails. The result?

33% of my employees opened the attachment or clicked on a web link. Absolutely horrifying.

We will now put cyber security training in place for everyone, with special intervention for those that clicked on a phishing test e-mail. For those interested in conducting similar tests, my contact is as follows:

Matthew Burgin

Regional Account Manager

33 N. Garden Ave., Suite 1200

Clearwater, FL 33755

Toll-free:  855-566-9234 Ext: 816

Direct: 727-315-0245

Fax:  727-386-4087         


Next week: There are insurance policies that cover this. Introducing cyber liability coverage

Other States Workers Compensation Coverage

by David Dickie on 06/26/17

Is an employee covered with workers compensation when she travels to a different state?  It depends!

-   If the duration of travel is temporary (a week or two at most) then coverage almost certainly extends to that employee, as long as they are NOT traveling to Ohio, North Dakota, Washington, or Wyoming (more on these states below).

-  If the destination state is scheduled on the home state workers compensation policy, coverage applies in that state.

For example, if your employee works in Maryland and serves a client in Maryland, and goes on vacation with the client to North Carolina for two weeks, there is workers compensation coverage in North Carolina through the home state policy because the duration of the work is temporary.

However, if the client moves to North Carolina for half the year, and the caregiver goes with, we fail the duration test and North Carolina would need to be scheduled on the home state workers compensation policy. If the home state workers compensation policy will not schedule North Carolina (say because they are not admitted to write business in NC) then a separate policy must be taken.

What about the four states listed above, Ohio, North Dakota, Washington and Wyoming? These are the monopolistic states, which use the old Soviet model for workers comp – you must buy it from the State. If your employees are travelling to any of these states, you must contact the workers compensation bureau in the respective state to make arrangements.

Interested in learning more about workers compensation? Go to our web site:   

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Beginning a Home Healthcare Business? Know These 5 Major Insurance Types

by David Dickie on 06/01/17

home healthcare insurance

Know the five most common home care insurance lines of coverage:

General Liability: General liability is a very broad policy form, with several sub-sections of coverage.  From a home care perspective, the most common incident that triggers general liability is damage to a client's property (for instance if a caregiver breaks the Ming vase over the fireplace or starts a fire while cooking).  General liability also responds to allegations of libel and slander, slip and fall damage to a 3rd party on your premises, and various other perils.

Professional Liability:  In a home care setting, professional liability responds to damage to a client due to allegations of improper care or due to the absence of proper care.  We have seen claims ranging from improperly reported/treated bed sores, to scalding burns while bathing, to falls while assisting a client down the stairs.

Non-Owned Auto Liability:  Non-owned auto liability responds in the event that an employee is in an at-fault accident while driving on the job.  For instance, if a caregiver is driving a client on an errand and runs over a pedestrian.  Non-owned auto is liability protection for the agency; it does not fix the employee's car!

Commercial Crime Bond:  Bonding responds to allegations of theft from a client's home, or theft from the employer, by an employee.  Theft from a client is the most common claim in home care, and can include theft of cash or personal items (jewelry, valuables, drugs), unauthorized use of credit cards, or other means of stealing from the elderly.

Workers Compensation:  Workers compensation is mandatory in 49 states (with certain numerical exceptions) and responds to on-the-job injury to employees (and increasingly, contractors)

Contents Insurance:  Protects your business personal property (copiers, desks, chairs, computers, etc.) from loss.  Some policies also provide business income replacement and extra expense reimbursement, both valuable in the event of a catastrophic claim but too complicated to address here.