Carlsbad lifeguard, Alex Shaner, walking again after ocean accident By Jorge Alexandria - February 21, 2025 An extraordinary story of a young man… and his journey from a severe spinal cord injury. Matthew Denisac, our V.P. of Business Development, starts off the monthly sales meeting asking attendees, “Why do you do what you do?” An easy question, for sure, but people falter. I, too, didn’t have a huge epiphany. I didn’t wake up one morning deciding to embark on a 30-year insurance career. For me, armed with a college degree and fresh out of the Army, I needed a civilian job, any job, and the U.S. Dept. of Veterans Affairs was hiring a high-level GS-9 (government schedule) claims examiner. Over time, I not only managed claims; but guided injured military members through some of the hardest moments of their lives following service-related injuries. Read More

Restaurant Industry Set to Confront Workers' Comp Challenge with New Food and Beverage Insurance Rating Classification By Jorge Alexandria - June 28, 2024 I sat in on an in-person Workers' Compensation Insurance Rating Bureau (WCIRB) seminar that covered a significant update to the classification system for the California food and beverage industry that will take effect on September 1, 2024. Currently there is just one class code, 9079 (1), for the entire restaurant and hospitality sectors. This update introduces six new classifications that purportedly better reflect the diverse operations and risk profiles across the industry. In usual form from the WCIRB, the seminar had three great presenters with outstanding graphics. (Insiders' tip: the WCIRB website remains one of the best for workers' comp explanatory definitions and videos). But what does the WCIRB do and why? Read More

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