Don Ramatici Insurance

News and Events
January 2012


Flash Report! - Premium Rate Climbs To $2.44 - Average Filed Pure Premium Rate Climbs To $2.44.  Insurance Commissioner Dave Jones last fall called for California workers' comp insurers to cut their 2012 pure premium rates by 3% to an average of $2.30 per $100 of payroll. But reports from the field and the rate filings by the carriers themselves indicated that this would not be the case and yesterday afternoon the California Department of Insurance (CDI) confirmed it.
Is State Fund’s Dividend Plan Illegal?  - Agents and Brokers and others in the workers’ comp world are beginning to question, they say, if State Compensation Insurance Fund’s announced plan for a fifty million dollar dividend is illegal. State Fund says the deal is done and that it is proper. Whether it is or not may be a matter for the California Department of Insurance which is in charge of regulating such things.
January Newsletter - This was a headline in the Dec. 9th Cal-OSHA Reporter. A residential fire where two firefighters died fighting the fire, resulted in CAL/OSHA investigating and issuing four citations worth $21,000 in fines. On the local news the week before Christmas was the story of how a North Bay Fire Department was cited by CAL/OSHA starting with a picture of an inspector on a roof with a contractor, because neither the fire inspector nor the contractor were wearing fall protection equipment that was required.
December Newsletter -  OSHA’s 2011 TOP TEN & Snow Bound Drivers

MOST ISSUED CITATIONS
1. Scaffolding (Construction)     2. Fall Protection (Construction)
3. Hazard Communication      4. Respiratory Protection
5. Lockout/Tagout     6. Electrical: wiring
7. Powered Industrial Trucks     8. Ladders (Construction)
9. Electrical System Design     10. Machine Guarding
Winter Safety
1. Get your vehicle ready for winter in the fall.     2. Install four matching winter tires.
3. Pack an emergency kit.     4. Learn and practice winter driving techniques before you need them.
5. Plan your trip, check road and weather conditions.     6. Remove all snow from your vehicle before each trip.
7. Give yourself extra travel time in bad weather.     8. Avoid using cruise control on slippery roads.
9. Travel with a fully charged cell phone.     10. SLOW DOWN and WEAR your seatbelt.
Risk & Safety Management Calendar  January 2012
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