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| 110915 Workforce Needs Follow-upThanks for your interest in RJF's recent seminar, Identifying Your Workforce Needs & Solutions.111006FollowUpRJF provides business insurance and corporate risk management solutions111109 HR Strategies FollowUpThis is the follow-up Web page for RJF's Nov. 9 seminar, "Crafting Successful HR Strategies."111207 Culture Of Engagement Follow UpDecember 7, 2011 - Building a Culture of Engagement Seminar Follow Up111215 Webinar Benefits Compliance Follow upWebinar--Employee Benefits and Compliance for 2012 presentation material.Client ToolsAccess to online tools available to RJF clients. Employee BenefitsRegardless of where the future takes us, one thing is for sure: The days of simply providing a basic health plan to employees are over. False Claims ActWednesday, March 7, 2012, 8:00-9:30 AM The False Claims Act is a set of statutes that are intended to discourage individuals and businesses from defrauding the government. WERMCThe Wisconsin Educators Risk Management Cooperative is hosting a Webinar series for Wisconsin district administrators. RJF speakers will participate in the Webinars. WERMC Webinar Presentation 1Thanks for participating in the first WERMC Webinar designed to help school districts prevent risk.WERMC Webinar Presentation 2RJF provides business insurance and corporate risk management solutionsWERMC Webinar Presentation 3Presentation materials from WERMC's recent Webinar titled, NEW DISTRICT DYNAMICS: LIFE WITHOUT LABOR CONTRACTS.AboutCareersJoin one of the metro area's greatest places to work!ContactFind out how we can prevent your risk today. There are several ways to contact us.Our CommunityRJF maintains an active commitment to the communities in which it operates.Our LeadershipOur leadership team is second to none.Our OwnershipAs a Marsh & McLennan Agency LLC company, there are no resources we don’t have access to.Our PhilosophyWe believe a business culture that supports a healthy, safe work environment by delivering the right benefits, programs and policies will keep employees engaged and more productive.Community InvolvementCommunity Involvement Our employees also share their time and talents with many civic clubs, chambers of commerce, scouting organizations, religious institutions and other non-profits. It's our employees values in action.Charity Challenge2011 RJF Charity ChallengeRJF will launch its 2011 Charity Challenge campaign on June 6. Our goal is to raise $125,000 by August 31 on behalf of two non-profit organizations: Children's Hospitals and Clinics of Minnesota and Admission Posbible2011 RJF Charity Challenge - Donation FormClick here to download the submission form and instructions.2011 RJF Charity Challenge - Sponsorship LevelsMore information on our Sponsorship levelsChallenge SupportersMany, many thanks to you for taking up our challenge. We couldn't do it without you!EventsRJF Agencies provides business insurance and corporate risk management solutionsKnowledge and News2011 Charity Challenge ResultsSept. 14, 2011—Through its third annual Charity Challenge, RJF, a Marsh & McLennan Agency LLC company, raised nearly $150,000 for local nonprofits thanks to the support of its business partners.American Jobs Act - Legislation UpdateOct. 1, 2011--President Obama presented the American Jobs Act, including the Fair Employment Opportunity Act of 2011. Based on this proposal, the Act will prohibit employers and employment agencies from discriminating against uunemployed job-seekers.Briefly from Bill - RJF RebrandSept. 30, 2011--Over the past two years we worked closely with a local branding company to help us convey our true corporate identity. In mid-July we made our official internal brand launch and we have been “taking it to the streets” ever since.CMV Driver Cell Phone BanJan. 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. Communication StrategySept. 30, 2011--When people are not responding correctly, it’s time to stop and assess before you respond. You might first ask: How are we as leaders contributing to the problem? Have we failed to understand the needs and personalities of our peopleConcealed Carry in WisconsinSept. 30, 2011--Wisconsin has passed legislation that permits licensed and trained individuals to carry a concealed weapon. The bill, which will take effect Nov. 1, 2011, also allows people to carry loaded, uncased guns in their vehicles.Fleming and Jeatran Entrepreneurs of the YearSept. 8, 2011 -- Tim Fleming, president of RJF, a Marsh & McLennan Agency LLC company, and Bill Jeatran, RJF's CEO, were jointly selected as St. John's University's inaugural Entrepreneurs of the Year. Jeatran to SJU Board of Regents - Sept. 1, 2011St. John’s University in Collegeville, Minn., recently named Bill Jeatran, chief executive officer of RJF, a Marsh & McLennan Agency LLC company, to its Board of Regents.Jeatran-MMA Acquires SeitlinNov. 22, 2011--Last week, Marsh & McLennan Agency (MMA) announced its latest acquisition, Seitlin Insurance based on Florida. This is firm about the same size as RJF, and was the largest independent agency in Florida.Marsh & McLennan Agency Acquires Gallagher & Associates IncNov. 3, 2011--Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced the acquisition of Gallagher & Associates Inc., a $1 million property and casualty insurance agency specializing in public school districts.Marsh & McLennan Agency Acquires Seitlin InsuranceNov. 17, 2011--Continuing its strategy to build a national platform, Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., announced today the acquisition of Seitlin Insurance.MN E-Verify - Aug. 31, 2011E-Verify required for Minnesota business that provide $50,000 worth of services to the State of Minnesota.NLRA Posting Requirement DelayedOct. 15, 2011--The National Labor Relations Board extended the implementation deadline for its notice posting rule from November 14 to January 31, 2012. NLRA Rights Notice - Aug 31 2011National Labor Relations Board (NLRB) issues final regulation requiring employers to post NLRA Rights Notice.NLRB Effective Date - Rights PosterJan. 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.Partner With AdjustersSept. 30, 2011--The outcome of claims depends on an attentive adjuster with good communication skills. Here are some tips business professionals working with claims can follow to maintain a positive relationship with the adjuster.RJF Hires Heather Roiger - Aug. 30, 2011RJF, a Marsh & McLennan Agency LLC company, recently hired Heather Roiger as its newest human resources consultant. RJF Wellness Program Matures to Wellbeing PromotionJan. 31, 2012--Working in the employee benefits business, we’re often asked how we approach wellness with our own employees. Over time we have embraced a more well-rounded approach and are now focusing on our employees' overall wellbeing.Wellness Program BAND-AIDSept. 30, 2011--Focusing on behaviors is like putting a Band-Aid on a tumor. To impact the causes of poor wellbeing, companies need to focus on how people think about their choices and strengthening judgment.Business Insurance Knowledge And NewsInsurance Marketplace-Nov 2011Nov. 14, 2011--At RJF, we're seeing effect from this hardening market, including less available coverage, less favorable terms for policy holders like higher deductibles and lower limits, tighter underwriting scrutiny, and higher insurance premiums.Posting OSHA's Form 300AJan. 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:Preventing Harm to your FiduciariesSept. 30, 2011--Any company that sponsors a 401(k) or profit-sharing plan, or welfare plan needs Fiduciary Liability coverage to protect against errors in plan administration and breaches of fiduciary duty under ERISA.Community Association Insurance Knowledge and NewsDont Leave Money on the Table - Unearned PremiumJan. 27, 2012--Workers Compensation policies are auditable policies. The estimated payroll makes it auditable because the carrier bases the annual premium charge off the estimated payroll that is submitted to them.Fire Hazards In Your HomeJan. 30, 2012--Fireplaces, power strips and clothes dryers are things that are in use every day. To ensure safety, it is important to follow proper maintenance and operation procedures when using these items. FLOOD FACTSJan. 27, 2012--Flood facts for Community Associations.Ice DamsDec. 27, 2011--The best way to prevent ice dams and curtail water infiltration is to decrease the heat in the attic space. The cooler the attic, the less melt off occurs. Unknown Liability: Association VolunteersJan. 30, 2012--Workers’ compensation will not cover association volunteers. In Minnesota, an injury is not covered by workers’ compensation unless an employer/employee relationship exists.Workers' Compensation - Is Your Association Protected?Jan. 30, 2012--Associations need workers’ compensation coverage as they can be held responsible for medical costs and lost wages for an injured contractor if there is no other insurance in place.Employee Benefits Knowledge and News2012 STANDARD MILEAGE RATES AND COMMUTER BENEFIT LIMITSDec. 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.CLASS Act is SuspendedOct. 31, 2011--On Oct. 14 Secretary of Health and Human Services, Kathleen Sebelius released a report regarding the analysis and viability of the CLASS Act and announced that the Administration had decided to not move forward with its implementation.COBRA Subsidy EndingAug. 8, 2011 -- The COBRA subsidy provided under the American Recovery and Reinvestment Act of 2009 (ARRA) will soon come to an end.DOL Delays SBC RulesNov. 24, 2011--In a short statement released on its Website, the Department of Labor (DOL) has provided a welcomed delay in the implementation of the new Summary of Benefits and Coverage (SBC) Rules contained in the Affordable Care Act.Essential Health Benefits RecommendationsOct. 20, 2011--Beginning in 2014, all individual health plans and small employer fully-insured health plans must include coverage for essential health benefits. FINAL REGULATIONS ISSUED ON MEDICAL LOSS RATIODec. 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.Health Care Reform FeesThe IRS published a request for comments in Notice 2011-25 regarding the implementation provisions included in the Patient Protection and Affordable Care Act related to fees that will be imposed on health plans to help fund research.HHS ISSUES BULLETIN ON DEFINITION OF ESSENTIAL HEALTH BENEFITSDec. 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.HIPAA Audit ProgramNov. 14, 2011--The Health and Human Services Office for Civil Rights (OCR) is piloting a program to perform up to 150 audits of covered entities to assess privacy and security compliance related to HIPAA requirements.IRS PROVIDES GUIDANCE ON FORM W-2 REPORTING REQUIREMENTJan. 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.Life Insurance 101Sept. 14, 2011--Many of your employees rely on your company for all or most of their insurance coverage. Therefore, you may want to consider offering life insurance. Whether group-sponsored or voluntary, this coverage offers protection and security.Medicare Part D NoticeSept. 16, 2011 -- Employers that provide prescription drug coverage must disclose to plan participants who are eligible for Medicare Part D whether the prescription drug coverage provided under the group health plan is creditable or non-creditable.MN Taxation of Adult Children CoverageAug. 23, 2011 -- The Affordable Care Act extended coverage for eligible dependents up to age 26. The value of coverage for adult children can be excluded from the employee’s federal taxable income if the dependent will not reach age 27 during tPAYROLL TAX CUT EXTENDEDJan. 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.Preventive Services For WomenOn August 1, 2011, the Department of Health and Human Services (HHS) adopted guidelines that require non-grandfathered health plans to provide women’s preventive services free of charge to participants.Reimbursing Medical Care-related Travel ExpensesSept. 30, 2011--Employees with a Health Flexible Savings Account (FSA), Health Reimbursement Account (HRA) or Health Savings Account (HSA) are able to claim medical care-related mileage for reimbursement at a slightly higher rate.Same Sex BenefitsOn July 2, 2011, Rhode Island Governor Lincoln Chafee signed legislation that allows same-sex couples to form civil unions effective as of July 1, 2011. The law comes just days after New York passed legislation legalizing same-sex marriage. Section 105h Nondiscrimination RulesWHITE PAPER: Section 105(h) nondiscrimination rules are complex; however, a quick review of an employer's benefit, contribution and eligibility strategies will help determine whether or not they need to perform the detailed nondiscrimination tests.Summary of Benefits & Coverage RegulationsAug. 24, 2011 -- The Internal Revenue Service, Department of Labor, and Health and Human Services have released proposed regulations for the Summary of Benefits and Coverage requirement (SBC) contained in the Affordable Care Act.Supreme Court to Rule on Health Care ReformNov. 23, 2011--At the request of the Obama administration and the 26 states challenging its legality, the United States Supreme Court agreed to rule whether the 2010 Patient Protection and Affordable Care Act (PPACA) is constitutional. WI Health Insurance Benefits for Adult ChildrenNov. 11, 2011--Wisconsin employers no longer need to add the fair market value for health insurance benefits to an employee's income as long as a child has not turned 27 by the end of the tax year.Wisconsin Changes Definition of DependentOct. 31, 2011--The state of Wisconsin has passed legislation that would largely change the state’s definition of dependent for insurance coverage purposes to more closely follow the new federal definition created by the Affordable Care Act.Manufacturing Knowledge And NewsMN DEED SurveyDec. 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. State of Manufacturing 2012Nov. 4, 2011--RJF is again sponsoring the State of Manufacturing™ research project, led by Enterprise Minnesota.Benefits ResourcesHealth Care Reform FeesThe IRS' Notice 2011-25 requests comments regarding the implementation of health plan fees which will help fund comparative clinical effectiveness research relating to patient-centered outcomes.COBRACobra SubsidyCOBRA subsidies provided under health care reform legislation will end by Aug. 31, 2011 for most assistance-eligible individuals.Womens HealthPreventive Services for WomenThe U.S. Department of Health and Human Services (HHS) adopted guidelines that require non-grandfathered health plans to provide women’s preventive services free of charge to participants.Business InsuranceIndustry & Coverage SpecializationsRJF focuses on the following industries & specialty insurance lines: Manufacturing; Construction; Auto Dealers; Bike Industry; Franchising Hospitality; Retail; Small Business; Nonprofit; Life Science; Law Firms; Surety Bonding; Executive LiabilitInsurance Services & ProductsWe can fulfill any insurance need you could possibly need. If you don't see what you're looking for below, just ask.Local to Multi-National ProtectionBecause we are a division of Marsh & McLennan Agency, you’re covered whether your firm is local, statewide, multi-state or international. Risk Prevention is More Than Great InsuranceRisk prevention services support your insurance coverage by addressing the causes of risk at its core. RJF has a many services to help prevent damaging insurance claims from occurring in the first place. Construction IndustryConstruction InsuranceRJF can provide access to all types of insurance, including the following lines, which are common for companies in the construction industry.Construction Risk PreventionBeyond insurance, RJF can help eliminate construction and contractor risk.Life ScienceClinical Trials ProtectionAs life science organizations increasingly turn to global markets to conduct clinical trials, they become exposed to new risks. RJF offers clinical trial insurance protection through two primary sources: Chubb and Marsh. Life Science InsuranceRJF provides a total portfolio of insurance offerings designed to keep pace with your growing business.Life Science Risk PreventionIn partnership with Marsh & McLennan, the premier global provider of advice and solutions in risk, strategy and human capital, RFJ can service any benefit or property/casualty need, nationally or internationally.Management and Executive Liability Management and Executive Liability InsuranceWe have a large number of products drawn from our world-wide experience and partnerships with trusted insurers.Management and Executive Risk PreventionAn executive or management liability insurance program with gaps in it is not worth the paper it’s written on. We can identify your exposures, conclude if they are insurable and help you decide whether insurance is the best option for protection.Manufacturing IndustryManufacturing InsuranceA sample of the insurance programs we offer manufacturers.Manufacturing News Updates & BlogHere you'll find thoughts, ideas, updates and insight about manufacturing risk prevention, insurance, and other manufacturing industry topics.Manufacturing Risk PreventionBeyond insurance, RJF can help eliminate manufacturing risk. Surety BondingCarrier RelationshipsRJF has a network of reliable surety companies for many different types of clients.Commercial SuretyThere are many non-construction surety bonds that you might need at a moment’s notice to secure a contract or sale.Contract SuretyRJF understands that a contractor's bond program is a vital component in achieving your business goals. Community Association InsuranceCommunity Association InsuranceRJF has a dedicated community association team specializing in association risk prevention.ConsultingClaims ConsultingClaims management and advocacy servicesHealth Management ConsultingHealth Management ServicesHuman Resources ConsultingHuman Resources ConsultingSafety ConsultingSafety and Loss Prevention ServicesEmployee BenefitsExpense vs Investment While typically administered by the Human Resources department, the best benefits programs are seen as a strategic business asset worthy of c-suite attention and resources.Services & ProductsBasically, we’ve got it all. With so much to offer, things can get left out on lists. If you don't see it below, just ask.PeopleDuluth StaffMeet RJF's Duluth teamEau Claire StaffMeet RJF's Eau Claire team.Hayward Spooner StaffMeet RJF's Hayward and Spooner, Wisconsin team.Minneapolis StaffMeet our Minneapolis team.Benefits TeamBrian WoodsBrian Woods, Employee Benefits Consultant. Contact: 763-746-8211, woodsb@rjfagencies.com.Donn ScrogginsDonn Scroggins, Employee Benefits Consultant & Practice Leader. Contact: 763-746-8264, scrogginsd@rjfagencies.com.Greg HaffelyGreg Haffely, Producer, Benefits. Contact: 763-746-8523, haffelyg@rjfagencies.comJohn McDonoughJohn McDonough, Employee Benefits Consultant. Contact: 763-746-8249, mcdonoughj@rjfagencies.com.Mary SetterMary Setter, Senior Vice President, Employee Benefits & Carrier Relations. Contact: 763-746-8216, setterm@rjfagencies.comPK KrihaPK Kriha, Senior Benefits Consultant. Contact: 763-746-8536, krihap@rjfagencies.com.Yvonne Moe OlsonYvonne Moe Olson, Producer. Contact: 763-548-8569, moeolsony@rjfagencies.comBusiness Insurance TeamBob St ArnoldBob St. Arnold, Producer. Contact: 218-590-0153, starnoldb@rjfagencies.comBrad HeppBradley Hepp, Risk Management Sales Executive. Contact: 763-746-8230, heppb@rjfagencies.com.Casey NepperCasey Nepper, Producer. Contact: 763-746-8544, nepperc@rjfagencies.com.Cody MarksCody Marks, Producer. Contact: 763-746-8529, marksc@rjfagencies.comCorie CurtisCorie Curtis, CISR, CIC, Account Manager, Auto Dealers. Contact: 763-746-8283, curtisc@rjfagencies.com.Deb LindquistDebbie Lindquist, Account Manager. Contact: 763-746-8234, lindquistd@rjfagencies.com.Doug ImholteDoug Imholte, Risk Consultant. Contact: 763-746-8221, imholted@rjfagencies.com.Greg SandvigGreg Sandvig, Producer. Contact: 763-746-8229, sandvigg@rjfagencies.com.Jim EricksonJim Erickson, Producer. Contact: 715-5523630, ericksonj@rjfagencies.comJohn MaresJohn Mares, Risk Management Consultant. Contact: 763-548-8867, maresj@rjfagencies.com.John SimensonJohn Simenson, Producer. Contact: 218-348-5122, simensonj@rjfagencies.comLaura MooreLaura Moore, Risk Management Consultant. Contact: 763-746-8252, moorel@rjfagencies.com.Lauren HeggLauren Hegg, Producer. Contact: 763-548-8571, heggl@rjfagencies.comLeRoy TaggartLeRoy Taggart, Producer. Contact: 763-746-8506, taggartl@rjfagencies.comMary Pat AanensonMary Pat Aanenson, Account Manager. Contact: 763-746-8202, aanensonm@rjfagencies.com.Reesa BakerReesa Baker, Account Manager. Contact: 763-746-8285, bakerr@rjfagencies.com.Ryan WatkinsRyan Watkins, Insurance & Risk Consultant. Contact: 763-548-8879, watkinsr@rjfagencies.com.Scott ChapinScott Chapin, Commercial Insurance/Employee Benefits Consultant. Contact: 715-634-6513, chapins@rjfagencies.com.Shalin JohnsonShalin Johnson, Risk Consultant Sales Executive. Contact: 763-746-8535, johnsons@rjfagencies.com.Tim GallagherTim Gallagher, Director, Commercial Lines. Contact: 763-746-8296, gallaghert@rjfagencies.com.Todd EllingsonTodd Ellingson, Account Manager. Contact: 763-746-8515, ellingsont@rjfagencies.com.Tom NepperTom Nepper, Executive Vice President. Contact: 763-746-8207, neppert@rjfagencies.comTom ZiemannTom Ziemann, Executive Vice President, Producer. Contact: 763-746-8287, ziemannt@rjfagencies.comCommunity Association TeamHerman FasbenderHerman Fasbender, CIC, CIRMS, ARM, Community Association Specialist. Contact: 651-480-1739, fasbenderh@rjfagencies.com.Jackie FinkJackie Fink, CIRMS, CIC, RN, Community Association Specialist. Contact: 763-746-8547, finkj@rjfagencies.comJoe MirochaJoe Mirocha, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8272, mirochaj@rjfagencies.com.Sarah FjellangerSarah Fjellanger, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8278, fjellangers@rjfagencies.com.Consulting TeamAlan WissbroeckerAlan Wissbroecker, Director of Employer Services. Contact: 763-746-8502, wissbroeckera@rjfagencies.com.Angela WheelerAngela Wheeler, Claims Consultant. Contact: 763-746-8266, wheelera@rjfagencies.com.Cassandra CoopetCassandra Coopet, Claims Consultant. Contact: 763-746-8263, coopetc@rjfagencies.com.Dan MartinDan Martin, Safety Consultant. Contact: 763-746-8295, martind@rjfagencies.com.David RumseyDavid Rumsey, Safety Consultant. Contact: 763-746-8284 , rumseyd@rjfagencies.com.Dawn ArayaDawn Araya, Claims Manager. Contact: 763-746-8293, arayad@rjfagencies.comHeather RoigerHelping clients with HR policies and procedures like employee handbooks, employee screening or termination procedures is just the beginning for Heather. Her true talents come through when helping a business eliminate its risks before they occur.Jackie SutherlandJackie Sutherland, Safety Consultant. Contact: 763-746-8213, sutherlandj@rjfagencies.com.Rosie WardRosie Ward, Health Management Services Manager. Contact: 763-548-8861, wardr@rjfagencies.com.Executive TeamBill JeatranBill Jeatran, Chief Executive Officer. Contact: 763-746-8201, jeatranb@rjfagencies.com.Jill LowderJill Lowder, Chief Operating Officer and EVP. Contact: 763-746-8205, lowderj@rjfagencies.com.Jim JohnsonJim Johnson, Vice President, Sales and Marketing. Contact: 763-746-8271, johnsonj@rjfagencies.com.Tim FlemingTim Fleming, President. Contact: 763-746-8204, flemingt@rjfagencies.com.Management Liability TeamBjorn HondaBjorn Honda, Executive Vice President. Contact: 763-746-8507, hondab@rjfagencies.com.Dan HansonDan Hanson, Director. Contact: 763-548-8599, hansond@rjfagencies.com.PREVENTSteps of the PREVENT ProcessOne part business sense, One part common sense.ReviewAboutWe refer to ourselves as a risk prevention organization.Bike BlogThe latest from the RJF bike blog.Bike Clubs IMBA Members InsuranceThis program is the only one endorsed by the International Mountain Bicycling Association (IMBA), available exclusively for its clubs in the United States.Bike IndustrySpecialized Bike & Ski coverageBike Races and Special EventsWant to host a race or other special event? Make sure you and your organization are protected. Often a special policy must be issued, and RJF can help.Business InsuranceTo prevent risk to your organization and to protect you from severe harm in the event that something unfortunate does happen, it is essential that you have proper insurance coverage.ConsultingRJF's team of risk prevention consultants research all angles of your business operations and bring tailored solutions that will reduce claims, lower costs and support a healthier organization.Industry PrtnrsShop owners and IMBA clubs can get started now.Retail Bike Ski Shop Insurance ProgramRJF’s Retail Bike & Ski Shop Insurance Program was built from the ground up to protect bicycle shop and ski shop owners like you.RJF EventsSubscriptionsSubscribe to RJF seminarsSeminarsSign up to receive RJF Seminar InvitationsStart receiving email invitations to our risk prevention seminars.Duluth SeminarsSeminar--Benefits Compliance & Health Management OverviewThursday, October 25, 2012 Find out what compliance concerns are on the horizon and get an introductory session in how health management programs deliver more results than wellness programs.Eau Claire SeminarsSeminar--Navigating the World of Claims Fraud & LitigationThursday, March 15, 2012, 8:30-11:30 AM Things to do to help identify, mitigate and eliminate claim fraud,which can lead to litigation and other costs.Hayward SeminarsSeminar--Navigating the World of Claims Fraud & LitigationThursday, April 19, 2012, 8:30-11:30 AM Things to do to help identify, mitigate and eliminate claim fraud,which can lead to litigation and other costs.Minneapolis SeminarsSeminar--Achieving a Healthy Retirement Savings Posture Checking the Pulse of Your Plan and Your EmployeesThursday, 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.Seminar--Benefits Compliance in 2012 What’s Coming & How to Integrate into Your CultureWednesday, June 20, 2012, 8:30-11:30 AM How health care reform and other updates will affect your benefits program in 2012, and what you can do to avoid disruptions to your culture.Seminar--Building Risk Prevention Through Employee WellbeingTuesday, April 24, 2012, 8:30-11:30 AM Helping employees take responsibility for their own safety and wellbeing on and off the job is a key early step in building a culture that prevents risk.Seminar--Confronting Obesity to Provide Profitable ReturnsThursday, October 11, 2012, 8:30-11:30 AM Confronting the obesity epidemic can provide profitable returns throughout your organization.Seminar--Creating A World Class Culture to Prevent RiskHow a well-functioning culture supports a healthy and safe environment and an engaged workforce, resulting in enhanced productivity and fewer insurance claims.Seminar--Labor & Employment Law UpdatesJan. 18, 2011, 8:30 to 11:30 AM: Review recent key legislative changes and prepare for expected changes in 2012. Presented by Attorney George Wood of Littler Mendelson, P.C.Seminar--Navigating the World of Claims Fraud & LitigationWednesday, May 16, 2012, 8:30-11:30 AM Things to do to help identify, mitigate and eliminate claim fraud, which can lead to litigation and other costs.Seminar--Protecting Your Culture from Destructive Employment Practices LawsuitsWednesday, September 19, 2012, 8:30-11:30 AM Common sense, low-cost and no-cost measures you can take to help safeguard your organization from very common and costly employment practices lawsuits and litigation.Seminar--The Energized Approach® for Achieving a Corporate Culture of SafetyThursday, March 22, 2012, 8:30-11:30 AM Guest speaker Michael Melnick provides a unique (and fun!) approach to workplace safety with his Energized Approach(R).Owatonna SeminarsSeminar--Creating A World Class Culture Thursday, Feb. 9, 2012, 8:30-11:30 AM How a well-functioning culture supports a healthy and safe environment and an engaged workforce, resulting in enhanced productivity and fewer insurance claims.Speaking EngagementsArt and Science of Health Promotion ConferenceRJF’s Health Management Services Manager Rosie Ward, Ph.D., will present “Moving Beyond Motivation for Lasting Results” at the 22nd Annual Art and Science of Health Promotion Conference.WebinarsWebinar--Employee Benefits Compliance for 2012In this Webinar, RJF's Senior Advisor of Regulatory Affairs Bob Radecki will discuss the many changes to employee benefit plans set in motion in 2010 and 2011, and what employers need to be aware of for 2012. |
