Don't take risks, prevent them.

Operate better, smarter and more profitably

 

Every business wants to lower costs, pay less for claims and reduce premiums. But what’s the best way to make that happen?

We believe that, rather than just finding you a better insurance solution, preventing those things that put your organization at risk in the first place is far smarter and will reap you far greater results.

Going through our PREVENT Process can help you identify risk before anything happens. We’ll then help proactively install counter measures to protect you, your assets and your people from the negative affects of incidents, accidents, and claims.

It’s a different way of doing business. We know that. But it gets results.


RJF News & Updates


Posting OSHA's Form 300A

Jan. 20, 2012--Employers required to maintain records of occupational injuries and illnesses are reminded to do the following by February 1 to comply with OSHA's record-keeping requirement:

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IRS PROVIDES GUIDANCE ON FORM W-2 REPORTING REQUIREMENT

Jan. 10, 2012--The IRS recently released IRS Notice 2012-9 that provides employers additional guidance on the Form W-2 reporting requirement created under the Affordable Care Act1.

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CMV Driver Cell Phone Ban

Jan. 4, 2012--The Federal Motor Carrier Safety Administration (FMCSA) and the Pipeline and Hazardous Materials Safety Administration (PHMSA) issued a new rule prohibiting hand-held cell phone use by interstate commercial motor vehicle (CMV) drivers.

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NLRB Effective Date - Rights Poster

Jan. 4, 2012--The National Labor Relations Board announced that it was delaying the implementation of its rule requiring covered employers to post notice of employee rights under the National Labor Relations Act.

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PAYROLL TAX CUT EXTENDED

Jan. 3, 2012--The Temporary Payroll Tax Cut Continuation Act of 2011 was passed in late December and will temporarily extend a payroll tax cut for wages paid through February 29, 2012.

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MN DEED Survey

Dec. 28, 2011--Most Minnesota manufacturers are predicting 2012 to be as good or better than 2011, according to a Minnesota Department of Employment and Economic Development (DEED) report.

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HHS ISSUES BULLETIN ON DEFINITION OF ESSENTIAL HEALTH BENEFITS

Dec. 21, 2011--The Department of Health and Human Services (HHS) issued a bulletin outlining proposed policies that will give states flexibility to define the “essential health benefits” required by the Affordable Care Act.

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2012 STANDARD MILEAGE RATES AND COMMUTER BENEFIT LIMITS

Dec. 21, 2011--The Internal Revenue Service (IRS) recently issued the optional standard mileage rates that are used to calculate the deductible costs of using an automobile for business, charitable, medical and moving purposes.

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FINAL REGULATIONS ISSUED ON MEDICAL LOSS RATIO

Dec. 12, 2011--The Department of Health and Human Services (HHS) announced final regulations on the medical loss ratio (MLR) requirements under the Affordable Care Act1.

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Seminar--Achieving a Healthy Retirement Savings Posture Checking the Pulse of Your Plan and Your Employees

Thursday, November 15, 2012, 8:30-11:30 AM

With thoughtful plan design and a structured savings education program, you give employees a better chance for retirement readiness.

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