Tom Boudreau

Should you buy Rental Car Insurance / Top 10 Safety Tips for Rental Cars

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August 2nd, 2010

Last week, I had a conversation with a business owner in Sheboygan about whether or not he should purchase the rental car insurance offered at the rental desk.   Truly, the decision must take into consideration what is stated in your policy, and your agent should be able to answer that for you.  Most policies will cover physical damage» Read Full Article

Highest rates of non-medical use of prescription pain relievers occur in… Arkansas, Kentucky, Nevada, Oklahoma, Oregon, Tennessee, and Wisconsin.

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July 29th, 2010

Prescription drugs are being misused and abused by a wide variety of people. According to SAMHSA, about 26 million Americans between the ages of 26 and 50 report they have used prescription drugs non-medically at some point in their life. Other age groups have lower lifetime incidents: 13 million who are age 50 or older,» Read Full Article

7/22/10 – Wis. Supreme Court Denies Asbestos Death Claim

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July 27th, 2010

The Wisconsin State Supreme Court says a brake maker wasn’t negligent in a machinist’s death. Walter Tatera, a former Hales Corners machine shop worker, died of cancer in 2004. His estate sued FMC Corp., a Milwaukee brake manufacturer, alleging disks the company sent to Tatera’s shop contained asbestos and caused his cancer. A Milwaukee judge» Read Full Article

5 Benefits of a Near-Miss Reporting Culture

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July 21st, 2010

Wouldn’t it be great to have some sort of system in place to stop workplace injuries, fatalities and equipment damage situations before they occurred? If your company created a near-miss (close call) reporting culture, it would move a long way toward achieving that goal. There are several benefits to having a near-miss reporting culture in» Read Full Article

Have Risk-Management Cuts Gone Too Far?

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July 19th, 2010

Annual benchmarking survey provides new insight on the impact of cost reductions within employer’s risk management programs. During the recession, companies slashed their risk costs by 3.1%, a recent study found. As a result, a major catastrophe could test their ability to respond.  Article provided by

New Environmental Insurance Requirements- Portugal, Spain, and Others to come

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July 15th, 2010

For many years, R&R Insurance has been a member of Assurex Global.  Through this partnership, we have relationships with other similar insurance agencies in all 50 states, and in 90 countries.  As one of the members of R&R’s International Team, we will post emerging insurance topics related to other countries in this blog.  Currently, we do» Read Full Article

Another reason to hold safety training – The same fine multiplied by employee count.

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July 15th, 2010

Fred Hosier from posted an article that I feel is important for employers in Wisconsin to be aware of – I do also recommend taking a look at his website as he has some very good safety knowledge to offer.  If a company fails to provide safety training required by federal law to 11 employees,» Read Full Article

Soft Mkt. May Last To 2013, P&C To Release Redundant Reserves

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July 12th, 2010

The property and casualty insurance industry had more than $19 billion of reserve redundancy at the end of 2009—a majority of which will be released this year and the next, according to Morgan Stanley. A recent report on the p&c market from Morgan Stanley Investment Research said most of these reserves are in the workers’» Read Full Article

The New WC Class Codes Rates are out! See 2009 vs. 2010

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July 8th, 2010

R&R Insurance’s Resource Center has put together a 2009 vs. 2010 class code rate comparison detailing the percentage increase or decrease. Class code rates are determined by the amount of dollars spent on work-related injuries in a particular class code (typically by insurance carriers) which are then reported to the WCRB. All companies in Wisconsin» Read Full Article

Quick Tip of the Week – Involve Workers in Job Safety Analyses

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July 7th, 2010

A job safety analysis (JSA) is not always best left only to a safety supervisor. Your workers’ experience in doing a job gives them superb knowledge of what can go wrong from a safety and health standpoint. While some hazards can be obvious to everyone, many workers probably encounter situations that haven’t been considered by» Read Full Article