Safety Resources- Excavation Safety Stand Down
 April 5, 2018 - There have been three fatalities in Minnesota since 2015 due to trench collapses. Join MN OSHA for Excavation Safety Stand-down from April 16-20 and make a plan to protect your workers and prevent accidents.
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Safety Resources- Office Ergonomics
 March 15, 2018 - Office ergonomics can be a key part of your injury prevention program. Keeping employees comfortable and pain-free is good business.
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Fall Protection Standards
 March 5, 2018- Protect yourself: follow fall protection standards when working on a roof.
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Safety Resources- Safe Driving Tips
 February 28, 2018- Use MMA's safe driving tips to elevate your safe driving practices in your workplace.
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Construction Contracts
 February 1, 2018 - Construction contracts are the blueprints to the relationship between the owner and the contracting parties. Understanding what each contract says, and understanding how the contract impacts your company is critical.
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Texting While Driving
 January 31, 2018 - Texting increases the chances of being involved in a vehicle-related accident by 23 times. Texting while driving is not only hazardous, but costly too, and the insurance industry has taken notice.
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Business Insurance Tips for 2018
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January 11, 2018 - Five areas you should consider improving this coming year, from employee engagement to ergonomics!
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Safety Resources- OSHA Recordkeeping
January 10, 2018 - OSHA’s recordkeeping requirements are designed to help employers recognize workplace hazards by keeping track of work-related injuries and illnesses. Knowing whether or not to record an injury on your OSHA Log can be tricky.
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Risk Assessment - Are You a Better Risk Than You Think?
 December 18, 2017 - Assessing risk can be difficult. Sometimes it can appear in unexpected places, maybe at the end of a chain of events, so it’s hidden from your view. It’s possible that you’re a far better risk than you realize.
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Safety Resources - AWAIR Checklist
 December 13, 2017 - Start planning for next year by evaluating your existing safety & health programs. One of the most overlooked safety requirements is to evaluate and update your AWAIR program on an annual basis.
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Federal and State OSHA Standards on Silica
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The state of Minnesota has adopted Federal OSHA standards for respirable crystalline silica, walking-working surfaces and fall protection.
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The Opioid Crisis- Why Employers Need to Pay Attention
 November 7, 2017 - Opioid abuse across the country is increasing. Employers need to take action before this growing crisis affects their workplace.
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Safety Resources - Winter Slips and Falls
 November 13, 2017 - Winter is just around the corner. Now is a good time to proactively manage your winter slips-and-fall risks by planning ahead, identifying the risks and engineering controls.
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OSHA Injury Tracking Live Online
November 2, 2017 - OSHA Compliance Alert: Injury Tracking Application is Up and Running
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Safety Resources- MN DLI Safety Grants
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October 30, 2017 - Did you know that employers working on projects designed to reduce the risk of injury and illness to their workers may qualify for a matching safety grant up to $10,000 from Minnesota OSHA? Your MMA Safety Consultant can help with this process.
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Safety Resources- Fire Prevention & Control
 October 4, 2017 - October 8-14 is National Fire Prevention Awareness week. That makes this a good time for you to prepare your workplace and your employees for the unexpected. It’s important to plan ahead in order to protect your business, customers and employees with a well-thought-out emergency action plan.
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Truck Driving & Ergonomic Challenges
 September 28, 2017 - Long-haul trucking is an industry that present unique ergonomic challenges.
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Catastrophic Disasters
 September 25, 2017 - 2017 has shaped up to be one of the worst catastrophe loss years ever recorded. What will the effect be on the insurance market?
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New OSHA Silica Standard Effective September 23
 UPDATED September 26, 2017 - The enforcement date for the Construction Industry is September 23, 2017. Read on for details on silica and tools that can generate silica exposure.
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Crisis Management Part Three- PR Plan
 August 28, 2017 - A disastrous event at work has many downsides. Intangible things like your company’s brand also needs to be considered. Public Relations must be planned and handled appropriately.
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Ergonomics- The Impact on Your Bottom Line
 August 23, 2017 - Ergonomic solutions are allowing employers to address workers’ musculoskeletal disorders with simple workplace interventions that make a big difference. Making changes in the workplace ultimately results in lower costs and higher productivity.
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Crisis Management Part Two - Business Interruption
 August 15, 2017 - The losses due to a business interruption can be daunting: damaged property, the affect on workers, lost sales, and the challenges of re-starting production. The better prepared you are, the quicker you can expect to overcome these kinds of setbacks.
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Crisis Management Part One - Plan and Prepare
 August 3, 2017 - The single most effective thing a business can do to overcome a disastrous event, experts agree, is to have a good crisis response system already in place.
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Preparing For Your Regulatory Inspection
 July 26, 2017 - There are multiple local, state, and federal regulatory agencies that can show up unannounced to your facility. Ensuring your staff is prepared is a critical element to a successful inspection.
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Workers Comp - Issues with Temporary, Seasonal and Contract Employees
 July 6, 2017 - No matter what time of the year it is, many employers use seasonal, temporary, and contract workers. These workers fill an essential role, but they come with their own risks and issues especially when dealing with on-the-job injuries and workers’ compensation claims.
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DOL Workers Comp Program to Monitor Opioid Use
June 27, 2017 - Effective June 26, 2017, the U.S. Department of Labor’s Office of Workers’ Compensation Programs instituted procedures to monitor and manage opioid prescription use under the Federal Employees’ Compensation Act.
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OSHA Compliance Alert OSHA Delays Electronic Reporting Requirement
UPDATED June 27, 2017 - OSHA has delayed the electronic reporting requirement. The July 1 submission deadline is now extended.
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OSHA News Release- Delay in Crystalline Silica Standard Enforcement
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The afternoon of April 6, federal OSHA announced a delay in enforcement of the crystalline silica standard that applies to the construction industry.
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Updated OSHA Silica Standard aims to Keep Workers Safe
 The Occupational Safety and Health Administration (OSHA) updated its Silica standards recently, in an effort to curb lung cancer, silicosis, and other chronic pulmonary diseases by limiting employees’ exposure to respirable crystalline silica.
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Drones expand business' horizons
 Oct. 17, 2016 -- Aerial drones have been seen by many as a hi-tech toy or a curiosity, but the business applications for this new technology are expanding rapidly.
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Environmental Risk - Finding the Help You Need in this Highly-Regulated Area
 Sept. 15, 2016--Environmental regulations affect all kinds of business, whether it's emissions, water pollution, shipping of hazardous material, keeping chemicals onsite, and more. This is becoming an area to look at when any company assesses risk.
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New OSHA Reporting and Drug Testing Rules
S  eptember 12, 2016 -- The Occupational Safety and Health Administration (OSHA) published a rule that will revise its Recording and Reporting of Occupational Injuries and Illnesses regulations.
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Marsh & McLennan Agency's Upper Midwest Region Adds Environmental Risk & Compliance Services
 Marsh & McLennan Agency’s added six environmental health and safety compliance consultants to its Minneapolis office. This was in response to a growing need by clients in the industrial, real estate, construction, health care and energy sectors.
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Total Cost of Risk
M  arch 3, 2016-- Total cost of risk is a concept that looks at all the costs asscociated with a loss or a claim. Tools for implementing a total cost of risk strategy include analyzing claims data, improving corporate culture, and stressing prevention and training initiatives.
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Environmental Consulting
 MMA Environmental can eliminate or minimize your environmental risks by delivering a uniquely integrated mix of environmental consulting, risk management and risk transfer.
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Getting Better Return-to-Work Programs are Helpful to Both Employees and Employers
 Oct. 20, 2015--On-the-job accidents and injuries are costly to employers. But once an injury has occurred and the employee is recovering, employers can hold down costs and improve employee morale and loyalty by having a return-to-work policy.
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Workers Compensation Fraud - A challenge and an opportunity
 Aug. 3, 2015--Workers compensation fraud remains a big challenge for employers: it can be an expensive drain on a company’s bottom line, and it has traditionally been hard to prove. There are ways address it in a smart and comprehensive way.
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Loss Control for Construction Contractors
 Wednesday, May 27, 2015, 8-10:30 AM - Brooklyn Park, MNJoin us for an in-depth discussion on current issues surrounding risk in the contracting world.
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Job site safety - Controlling losses and reducing claims
 May 4, 2015--In a time where the workforce is aging and workers’ compensation claims are a major concern, it’s likely that safety in the workplace—especially in the construction field—has never been more important.
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Minnesota OSHA Adopts Federal OSHA Reporting Requirements
 March 10, 2015--Beginning March 18, 2015, the Minnesota Occupational Health and Safety Administration (MNOSHA) will adopt the Federal OSHA injury reporting requirements, which will change the types of injuries that must be reported to Minnesota OSHA.
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Total Worker Health Introduction
 March 2, 2015--Total worker health is not a program. It’s a culture shift and is bigger than safety, human resources or wellness alone.
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Taking Ownership of Your Workers’ Compensation Program
 Oct. 28, 2014--Effective management of your workers’ compensation program can deliver benefits, including a decrease in lost time claims, reduced frequency of claims and, and a lower experience modification rating, which results in a lower premium.
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Ebola Preparedness Resources
 Oct. 21, 2014--The Ebola Response Center contains links to articles and other resources, including an upcoming Webinar discussing the virus, what’s occurred so far, appropriate precautions and even pandemic preparedness.
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Work Comp Claims Refile Services Bring Substantial Savings
 Oct. 15, 2014--A couple months ago, Marsh & McLennan Agency Claim Analyst Dan Nyberg learned that he surpassed his yearly goal of $100,000 in client insurance premium reductions through claim refiles. That left him with five months to continue pounding out more savings.
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OSHA Expands Injury Reporting Requirements & Alters 300 Log Exemptions
Oct. 3, 2014--The federal Occupational Safety & Health Administration updated its recordkeeping rules by expanding the list of severe injuries that must be reported to OSHA and redefining which employers must maintain injury and illness reports.
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Disaster Preparedness Update
 Sept. 24, 2015--Business owners have become aware of the need for disaster planning. It seems that “100-year-events” are becoming more frequent, and whether it be tornadoes, flooding, or other natural disasters, no one wants to be caught unprepared.
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Workplace Ergonomics Fit the Job to the Worker
 July 7, 2014--The need for good ergonomics in the workplace may not be a new message, but with workers’ compensation claims on the rise for a number of reasons, there is a new urgency to the issue.
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The Workers’ Compensation Experience Modification Rating
 The key to reducing workers’ compensation insurance costs is controlling and reducing your experience modification rating.
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Health Care Ricochet: New Solutions Called For as the ACA Threatens to Boost Workers' Compensation Costs
 May 9, 2014--Among the least-understood and seldom discussed consequences for employers is the possible relationship between the rollout of the Affordable Care Act (ACA) and workers’ compensation claims.
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Six Key Workers’ Compensation Developments to Watch
 June 19, 2014--Recently workers' compensation insurance coverage has been going through significant changes. These are occurring at the state and national levels, and are changing how it’s priced, what it covers and more.
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Top 10 Questions About the Experience Modification Rating Answered
 June 19, 2014--Get the answers to frequently-asked questions about the workers' comp experience modification rating.
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Manage Claims to Lower Your Workers Compensation Premium
 June 9, 2014--The best way to control your experience mod and workers' compensation insurance premiums is to analyze your safety measures, then address losses as they occur and after they occur using solid and proven claim management procedures.
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How to Ensure Your Experience Modification Worksheet is Accurate
 June 8, 2014--The experience modification worksheet is a tool used by rating bureaus when calculating your workers compensation premiums. Errors on this document, while rare, do occur and can add costs to your workers’ compensation premium.
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Understanding the Experience Modification Rating
 June 8, 2014--The experience modification rating (EMR) is the single aspect of the calculation used to determine your workers’ compensation insurance premium over which you have control. It can have an impact on the cost of work comp coverage.
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Regulatory Changes for Commercial Drivers
 Nov. 26, 2013--Commercial drivers throughout the United States should be aware of upcoming changes to medical certification and commercial drivers license (CDL) requirements issued by the federal government. These changes go into full effect in 2014.
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Webinar--Unweaving the World of Leave Managment
 Presented on Feb. 13, 2014
Learn about the legalities and proper procedures for leave management.
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Reducing Workers' Compensation Losses Case Study - RRT
 Find out how MMA helped this Minnesota employer lower its workers' compensation insurance losses by more than $156,000 and improve its loss ratio by 68%.
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Understanding the Value of Integrated Risk Prevention
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Sept. 10, 2013--Developing a results-oriented risk reduction plan and supporting it with a well-structured insurance program can help companies reduce overall risk costs. But that can be easier said than done.
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School Risk Prevention
 In addition to school insurance, our in-house consultants offer safety consulting; claims management, advocacy and reduction; human resource consulting; health management and wellness consulting; employee benefits; and management liability insurance.
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Briefly From Bill - Cyber Security Issues Affect Small and Midsize Companies Too
 May 10, 2013--Cyber-crime, network security, denial of service attacks, data breach. These terms had little relevance to anyone other than a handful of IT dudes scattered in basements somewhere in Silicon Valley until relatively recently.
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News Release - Excellence in Risk Management
 New York, April 22, 2013 – Senior executives and risk professionals are more aligned than ever on their views of the role that risk management should play in strategic planning.
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Wellness Program Band-Aid
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Sept. 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.
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News Release - Commercial Flood Insurance Rates Jump Availability Declines as Upper Midwest Flood Danger Looms
 MINNEAPOLIS, March 28, 2013—Commercial flood insurance prices are rising as underwriters attempt to recoup significant flood losses sustained by Superstorm Sandy.
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Wage Continuation Reporting
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May 24, 2012--The practice of wage continuation has been deemed inappropriate when the carrier is not notified of the lost time resulting in inaccurate reporting to the state bureau for unit statistical purposes regarding a company’s experience modif
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Partner with Claims Adjusters
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Sept. 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.
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Briefly From Bill - Three Upcoming Risks for Employers
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May 31, 2012--Three prominent risks facing employers include the upcoming health care reform ruling by the United States Supreme Court, a changing property and casualty insurance marketplace, and the pending storm season.
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Webinar--Effective Safety Committees
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Recorded on June 13, 2012, Duration: 1 hour
Having a safety committee seems simple enough, however many organizations struggle with how start and maintain an effective safety committee. While having the best intentions, a committee without the right support and guidance can quickly become defunct.
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CMV Drivers Banned From Cell Phones
Jan. 4, 2012--The Federal Motor Carrier Safety Administration issued a new rule, effective, Jan. 3, 2012, prohibiting interstate commercial motor vehicle drivers from using hand-held cell phones while driving.
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Distracted Driving
 June 14, 2012--Distracted driving is defined as any activity that could direct a person’s attention away from the primary task of driving. The three main types of distractions include visual, manual and cognitive.
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Beyond OSHA compliance--How an increased safety focus can benefit employers
 Jan. 30, 2013--Risk & Safety Consultant David Rumsey discusses OSHA compliance and overall workplace safety, and how they can work together to positively impact a company’s bottom line.
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OSHA Seminar Video Promo
 Jan. 29, 2013--Risk & Safety Consultant David Rumsey discusses why you ought to attend the upcoming seminar, OSHA Audits & How to Defend Against Them.
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Webinar--Emod Calculation Changes
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Recorded on September 26, 2012, Duration: 30 minutes
Beginning January 2013, the NCCI will make changes to how an employers’ experience modification factor is calculated, which may influence your insurance rates. Learn how these changes may effect you.
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Covering Your Bases - Insuring Against Disasters
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June 8, 2012--Business owners need to understand how their insurance will respond after a disaster and what their role is. After a disaster, policyholders should be prepared to secure the loss site, notify the insurer, and prepare to rebuild.
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Disaster Preparedness And Recovery — Useful Resources
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Sept. 11, 2012-- Preparing for what to do during and aftera disaster is a key to mitigating the impact on your business. Here's a list of Websites with useful information to help prepare for and recover from disasters and weather-related events.
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Posting OSHA's Form 300A
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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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NFIP Extended for Five Years
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July 6, 2012--On Friday, June 29, Congress extended the National Flood Insurance Program (NFIP) until September 31, 2017, and vowed to make it more financially sound.
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Flood Prep & Response
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July 12, 2012--Angela Wheeler, MMA claims consultant and specialist on property damage, provides some recommendations on how to safeguard your company from flood damage and what to do after a flood occurs, as well as some general flood safety tips.
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What to Expect from Your Carrier Post-Disaster
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May 15, 2012--An MMA claims consultant and specialist on property damage explains what businesses can and should expect from their carrier in the event of a weather-related catastrophe.
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Addressing Employee Needs Following Disaster
 Nov. 30, 2012--Employers need to recognize that, while their employees want to support the rebuilding and recovery process following a disaster, they are also struggling with personal priorities and issues.
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MN Workers Comp Insurance Payroll
Nov. 21, 2012--The Minnesota Dept. of Commerce is changing the formula used to calculate workers’ compensation premiums. This change increases the individual weekly remuneration for officers and owners.
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Tip Sheet - Resources for Employees following disaster
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Nov. 6, 2012--Following a disaster, employees need support too. We've aggregated various agencies and programs that would be of most use to employees and their families post-disaster.
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Disaster-related Information for Employers
 This is an aggregate of multiple resources related to helping employers prepare for and recover from a disaster.
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Tip Sheet - Documenting Damages & Losses
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Nov. 1, 2012--During the claims process, you will need to provide evidence of the damage and the loss, both in terms of property damage and business interruption. Here's a checklist of the information business owners will need to provide.
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Post-Disaster - Mitigate The Impact
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Oct. 31, 2012--Following a disaster event — fire, flood, blizzard or tornado, for example — business owners are faced with a daunting aftermath. The following is an overview how to mitigate damage and increase your chances of reopening your business.
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Are You Emod Savvy?
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Sept. 26, 2012--First, a short primer. Your workers’ compensation e-mod (aka Experience Modification Rating, EMR or mod) is a multiplier used by your work comp insurance company to help determine the amount of your premium.
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Facts About Emod Changes
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June 14, 2012--The NCCI and MWCIA are making changes to how experience modifiers (emods) are calculated. Outlined here are some of the basic facts explaining how employers may be affected by this change to workers' compensation insurance premiums.
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Healthy Culture Great Company
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WHITE PAPER--Developing a process to change your company culture is not only an effective way to engage your workforce, it is the only way to make lasting changes to overall productivity, employee satisfaction and, consequently, the bottom line.
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Webinar--Learn the Risk Management Center
 Recorded on May 28, 2013, Duration: 45 minutes
Learn how to use the Risk Management Center to prevent risk to your organization.
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Webinar--Prevent Claims Fraud and Litigation
 Recorded on March 13, 2013, Duration: 1 hour
Learn how to keep workers' compensation insurance claims from hurting your culture and balance sheet.
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Claims Consulting
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Claims management and advocacy services from Marsh & McLennan Agency - Upper Midwest.
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Safety Consulting
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Safety and Loss Prevention Services from Marsh & McLennan Agency - Upper Midwest.
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Business Insurance
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Commercial Insurance solutions that protect your firm, your assets and your employees.
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Risk of Impersonation Fraud
Impersonation fraud, also referred to as social engineering, can take several forms. It often occurs when a criminal pretends to be a high-level executive, a CEO for example, requests a wire transfer from a lower-level employee.
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DisasterPreparation
No amount of planning can tell you when and what type of disaster will strike your business. But there are things you can do to help ensure your business survives. |
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Employee Benefits 2014 - A Year in Review
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Jan. 12, 2015 - The world of Employee Benefits saw numerous changes this year. Take a look back at everything that has happened this year.
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Overview
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Risk Management is a nice start. We go further, and try to prevent risk.
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Claims Management & Advocacy Services
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Our experience and reputation helps ensure your claim gets the treatment it deserves.
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Safety & Loss Prevention Consulting
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We can analyze, develop and implement safety programs for your work place.
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Human Resources Consulting
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MMA can supplement the efforts of your current Human Resources department or provide the services of a full department at a fraction of the expense.
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Employment Law Line
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Answers to your oganizations's HR, employment law, benefits and loss control questions.
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Overview
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Our Employee Benefits programs are shaped by each clients' unique needs and business context, and are designed to ensure that clients get the best return on their benefits spending.
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Risk Prevention for Hospitality Groups
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MMA offers non-insurance risk prevention strategies for Hospitality Groups.
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Manufacturing Insurance Products & Services
We can provide manufacturers access to all types of business insurance.
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Bike Rental and Test Ride Liability - How to Protect Yourself and Your Bike Shop
 Bike rentals and test rides are great ways to add revenue or help seal a deal on a bike, but they also deliver added risk to the retail bicycle shop owner. There are two primary procedures that should be followed to help protect yourself.
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Waiver of Liability Forms--Do Courts Enforce Them?
 July 3, 2012--Waivers fared well in 2011 court decisions. Out of the six reported decisions, the businesses with waivers "won" in five. Bike shop owners should consider these valuable risk management tools as the conduct their business activities.
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Eleven Used-Bike Selling Tips To Reduce Risk
 March 12, 2013--One thing many retailers are doing is selling used bikes. Although it seems like a good formula to increase sales, it comes with a lot of increased risk. Here's 11 tips to reduce the risk associated with selling used bicycles.
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The Importance of Bike Rental Waivers to Retailers
March 21, 2013--Since most bike shops rent bicycles, it isn’t surprising that I get asked a lot of questions pertaining to the importance of waivers. They are absolutely important for any bicycle retailer renting out bikes.
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10 Claim Tips for Wind and Hail Damage
 July 25, 2014 - 10 tips for dealing with wind and hail losses. Read about tips that will help your association take the appropriate steps to make sure your claim moves along smoothly.
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Fireplace Inspections
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Nov. 7, 2013--Wood fireplaces, if not properly cleaned and inspected, pose a risk that can affect many homeowners. An association’s board of directors must clearly address the issue of maintenance responsibility and who pays for the service.
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Smoke Alarms
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Oct. 30, 2013--Having working smoke alarms in your home can mean the difference between life and death. But these life-saving devices are only effective when they're working properly.
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CAI August Seminar
Tuesday, August 13, 2013, 11:30-1:30 PM
A Storm is Brewing: Navigating the Choppy Waters of Property Insurance Claims
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Franchise Organizations Should Enter Social Media With Eyes Wide Open
 August 28, 2012--While social media can be a great tool, (I’m using it right now) it is not without risk to your franchisees and franchise system. Social networking can present risk in many ways to a franchise business.
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Social media legal considerations for franchisors
 August 28, 2012--From a franchisor perspective, thought needs to be put into the role that social media and social networking will play in the franchise system, and decisions should be documented in the franchise agreement and social media policies.
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Top Six Ways Franchisors Can Reduce Vicarious Liability
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October 29, 2012--Vicarious Liability is the term given to the fact that you, the franchisor, could be held liable for acts arising out of your franchisees’ activities or inaction. Learn how you can reduce this risk to your businesss.
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Workshop--Getting Back to Business-Disaster Preparedness and Recovery
Thursday, October 9, 2014, 8:30-11:30 AM - MINNEAPOLIS
Natural disasters and man made catastrophies can bring normal community and business activities to a screaching halt. Learn how to minimize the impact of a disaster and get back to business faster when one does occur.
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Business Insurance
To prevent risk to your organization and protect you from severe harm in the event that something unfortunate does happen, proper commercial insurance is essential. Read More
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Health Care Risk Management
We’ve earned our stripes serving the leaders in our area – large institutions with ambitions to grow and improve the delivery of health care, as well as small regional hospitals and clinics that are so essential to the communities they serve. Read More
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