What’s Happening at Stuckey?

Fall is a great time at Stuckey. We like to take time out and recognize all the people (employees and partners) that help make Stuckey so successful.

In early October, we are holding our 7th annual Stuckey Winery Tour. During this fun event, we travel to several vineyards around St. Louis to sample local wines and eat fantastic food. This is one of our favorite events! It is an opportunity for all of us to get together with the people we work with every day and celebrate the year’s successes.

Fall is also a time for charity. Shelli Windle and Brandi Hemmer from the Personal Lines team are both participating in charity runs.

Shelli will be doing the Warrior Dash, a 5K where she will be conquering obstacles, leaping fire and crawling through mud to support the St. Jude Children’s Research Hospital, a hospital that specializes in cancer research and treatment for children. To date, the Warrior Dash has raised more than $3,677,997 for St. Jude. To learn more or find a race near you, visit www.warriordash.com.

Brandi is running in the St. Louis Glow Run 5K. The race takes place at night and participants run wearing different glowing accouterments to raise money for Lift for Life Gym. Lift for Life Gym offers kids living in city neighborhoods a place to get a healthy meal, do their homework, and get together with friends to participate in a variety of activities, including computer classes. Visit www.glowrun5k.com to learn more.

COMMERCIAL LINES COMMISSION RATE BOOST

We are really excited to announce that, effective October 1st through December 31st, there are additional commissions available for operations under a number of classes of business, including:

• Animal Specialty Services
• Job Training and Related Services
• Dance Studios, Schools and Halls
• State Commercial Banks
• Investment Advice
• Skilled Nursing Care Facilities
• Electron
• Fluid Meters and Counting Devices
• and many, many more

This is a great time for you to talk to these clients about any additional insurance coverage they might need!

For a full list of business classes and SIC codes, please click here.

Workplace Injuries: What's New?

This week, the Insurance Journal reported, “Workers with access to paid sick leave are 28 percent less likely overall to suffer nonfatal occupational injuries than workers without access to paid sick leave, according to a National Institute for Occupational Safety and Health (NIOSH) study.”

So what exactly does that mean for your clients? To begin with, your workers comp clients need to understand the overall impact of a workers comp claim. When the ex-mod (or experience modification) factor is calculated, frequency of injuries has a major impact and, if your client’s ex-mod is high, they will suffer from higher workers comp premiums for the following THREE years. That means it can be a potentially money saving move to introduce paid sick leave at their company. To illustrate this to your clients, you can include an ex-mod worksheet in your discussions. Here is a one example you can use.

Once your client understands the true financial consequences of workplace injuries, they can make an educated decision about whether to introduce paid sick days and they will be grateful to you for the guidance.

Also announced this week was the number of fatal workplace injuries in the United States in 2011. The Bureau of Labor Statistics’ National Census of Fatal Occupational Injuries announced that there was a decrease in fatal workplace injuries in 2011, with a total of 4,609 vs. 4,690 in 2010. Secretary of Labor, Hilda L. Solis, said that the decrease was a step in the right direction but more work needed to done.

To learn more about your workers comp options, contact Kyle Dallavis at kyle@stuckey.com or 800-828-3452 x25.