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Tuesday, November 12 2013

Posting Requirements

Once an employer registers with EDD, they receive a notice to post, which informs their employees of their rights under the Unemployment Insurance (UI), Disability Insurance (DI), and Paid Family Leave (PFL) programs. This notice must be posted in a prominent location that is easily seen by the employees. Employers receive the following notice if they are subject to:

  • UI, DI, and PFL - Notice to Employees (DE 1857A)
  • UI only - Notice to Employees - Unemployment Insurance Benefits (DE 1857D)
  • DI and PFL only - Notice to Employees (DE 1858)


Posted by: AT 12:02 am   |  Permalink   |  Email
Thursday, January 31 2013

Staying Healthy During Flu Season

This winter's flu season is nearing its peak. The current virus has been more virulent than recent strains and has caused in a higher-than-average hospitalization rate. Precautions such as getting a flu shot and frequent hand washing will help keep you and your family healthy this season.  

Know What to Do About the Flu

The CDC suggests the single best way to prevent seasonal flu is to get a vaccination each year. Follow these

common sense suggestions from the CDC ( to help prevent the

spread of flu:

Avoid close contact

Stay home when you are sick

Cover your mouth and nose

Clean your hands

Avoid touching your eyes, nose or mouth

Practice other good health habits


You can contact the Centers for Disease Control and Prevention

24 hours/every day at (800-232-4636) TTY: (888)

232-6348, or e-mail

The information, examples and suggestions presented in this material have been developed from sources believed to be reliable, but they should not be construed as legal or other professional advice.

This material is for illustrative purposes only.

Posted by: AT 01:34 pm   |  Permalink   |  0 Comments  |  Email
Thursday, January 24 2013
Building Ordinance Coverage:
What's Your Responsibility? 

A building is covered for a limit of $1 million. The building was partially damaged (60%), in a fire. Local ordinances require upgrading to the current building code when damage or renovations exceed 25% of the building and also require the demolition of the undamaged portion of the building. In this case, the total cost for demolition, debris removal, and increased cost of reconstruction totaled $1.5 million. You do the math! What went wrong?
Building Ordinance Coverage
Building ordinance coverage provides three basic coverages:  A. loss to the undamaged portion of the building, B. demolition and removal of the undamaged portion of the building and C. any increased costs of repair or construction due to enforcement of building codes. This coverage needs to be added to the policy as the basic form provides minimal coverage for the enforcement of any ordinance or law.  The value of Building Ordinance Coverage is to provide coverage for these costs.
For more information please call or email Nickie Heath Insurance Agency and we will be happy to answer your questions.
Posted by: AT 01:58 pm   |  Permalink   |  0 Comments  |  Email
Wednesday, January 16 2013
Workers miss work because of back injuries more than any workplace injury. Once you have injured your
back, it becomes more susceptible to injury. Wear and tear on spinal discs and muscles can cause extreme
pain and disabling injury. The best way to avoid back injury is not to lift, but when it is practical use
mechanical devices to perform the lift. If you must lift, use good lifting mechanics.
􀃖 Look for opportunities to eliminate or minimize lifts or to make the lift safer. If you see something
that can be changed, make a suggestion to your manager.
􀃖 Store materials between shoulder and knuckle height, and ensure there is space to lift the item safely.
􀃖 Keep walkways clear to allow the use of material handling devices like carts and dollies.
􀃖 Deliver materials close to where they will be used.
􀃖 Split up large loads into smaller, lighter loads.
􀃖 Use a manual lifting or carrying device (like a dolly or hand truck). PUSH a load; this is easier on the
􀃖 Use a mechanical lifting device like a forklift.
􀃖 Use tools that minimize bending and reaching, like tools with longer handles or lift tables.
􀃖 Make sure walkways are kept clear to allow the use of material handling devices like carts and dollies.
􀃖 Maintain good housekeeping.
Posted by: AT 09:56 pm   |  Permalink   |  Email
Monday, December 31 2012
From Nickie Heath Insurance Agency, we wish you all a very happy and prosperous 2013.
Posted by: AT 10:53 pm   |  Permalink   |  Email
Friday, December 28 2012
Please be careful when shopping for business insurance.  Any agent can give you a "cheaper" quote but keep the old saying in mind, "you get what you pay for".  Cheaper is a word we hear frequently from small business owners but most of the time, cheaper means less coverage or quotes with holes in coverage that leave your business assets unnecessarily exposed to a loss.  These "cheaper" quotes could have much lower limits of coverage, higher deductibles or missing coverages that may be important to protect your assets.  Some of these coverages that may be missing or have low limits could be: spoilage for power outage, hired & non-owned auto, money & securities, property in transit, employee dishonesty, liquor liability, ordinance & law, sewer backup and there are many more.  

The main point here is that there are "cheap" quotes out there that may look good on the surface to the untrained eye and many save you a couple hundred dollars or so, but is it really worth it to switch to save a little now and then a claim happens and you find out later that you don't have the coverage you need?  If you ever have doubts, you can send your quote to our agency and we promise to give you our honest opinion as to how it fits your needs.  If it's a good quote, we will tell you so.  If not, we will recommend options to you.
Posted by: AT 08:30 pm   |  Permalink   |  Email
Friday, December 07 2012
Insurance that pays the dollar amount needed to replace damaged personal property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy.
Posted by: AT 11:29 pm   |  Permalink   |  Email
Friday, December 07 2012
Coverage for losses above the limit of an underlying policy or policies such as general liability, auto liability and employers liability. It applies to losses over the dollar amount in the underlying policies,
Posted by: AT 11:25 pm   |  Permalink   |  Email
Saturday, December 01 2012

The insurance commissioner has finally approved rates for 2013 and the WCIRB has a big job to release experience mods for accounts effective 1/1/13. 

Posted by: AT 04:38 pm   |  Permalink   |  Email
Monday, November 26 2012

Hope you all had a safe and Happy Holiday!

Posted by: Kelly AT 02:30 pm   |  Permalink   |  0 Comments  |  Email

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