Producer Line                 
News for our agent partners                                                                                                        Fall 2016
A. M Best
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Have You "Popped" the Question?
Have you "popped" the question to your clients and prospects yet? Have you asked them if they are members of an association or belong to one of the safety groups listed below? If not, they might not be getting all the policy benefits they deserve.

Chesapeake Employers' association and safety group programs could save your clients and prospects money. Designed with safety in mind, our programs can include discounted premium, group dividends, or a combination of both. Check out our money-saving programs:

You don't have to "pop" the question alone. Chesapeake Employers is here to support you with a myriad of co-marketing tools. We'll meet with you to develop a symbiotic marketing plan to effectively reach current customers as well as prospects.

 

The next time you speak with your clients, go ahead and "pop" the question. It could be the start of a prosperous and long-lasting relationship.

 

Area Fire Departments Blaze a Trail to Safety, Earn $180K in Dividends

Pictured left to right are:  Mario Melfa, SBU Safety Management Consultant, Chesapeake Employers; Cathy Amos, Gosnell Insurance; Angela Barrow, Joppa Magnolia Volunteer Fire Department; and Tammy Longan, SBU Director, Chesapeake Employers.

 

Qualifying members of the Maryland State Firemen's Association (MSFA) who participate in Chesapeake Employers' MSFA Program are receiving dividends for controlling losses and preventing workplace injuries for accident year 2015. The total dividend for the group is $180,365 and is being paid to 74 fire departments.

"On average, each firehouse is getting a dividend equivalent to approximately 15 percent of earned premium," says Tammy Longan, Director of Chesapeake Employers' Strategic Business Unit.
On the Move
Sharon Rowell was recently promoted to Chief Administrative Officer (CAO). In this position, Sharon oversees Human Resources, Marketing and Business Development, the Customer Contact Center, and Distribution departments for Chesapeake Employers.

 
Carmine D'Alessandro was promoted to Chief Legal Officer. In this position, Carmine oversees the Legal, Subrogation, Special Investigations, Premium Audit, and Compliance functions. 


 

 
 

Paige Beck is now Chief Innovation Officer and oversees Information Systems, Underwriting, and the implementation of the company's new core system. Previously, Paige was CAO for Chesapeake Employers.

Announcing New Workplace Safety Information for Your Clients

One thing that differentiates Chesapeake Employers from other workers' comp companies is our free workplace safety and claims information. We're proud to introduce the following workplace safety kits and webinars that are free to order or download on demand:
  1. Opioid Drug Addiction Prevention Kit
  2. Snow Winter Injuries Safety Kit  
  3. Webinar:  Building a Strong Workplace Safety Culture
  4. Webinar:  10 Steps to an Effective Safety Program
  5. First Aid, CPR/AED Training Schedule for 2017

Visit Chesapeake Employers' Safety University for more free workplace safety information for your clients. To order safety kits and posters for the workplace, please complete and submit this publication order form.

New TV Ad Makes Debut
By working safely and avoiding injury, you, like millions of other workers in Maryland, will hopefully be greeted by your loved ones at the end of every workday. That is the theme of Chesapeake Employers' new 30-second commercial that began airing on cable TV in October.

 

Post-Accident Drug Testing and OSHA's Final Rule Explained
There seems to be some confusion as to whether  OSHA's Final Rule on its Recording and Reporting Occupational Injuries and Illnesses regulation allows or prohibits employers from using post-accident drug testing as part of a workplace accident investigation.

The goal of the Final Rule, which will become effective January 1, 2017, is to gain as accurate reporting of work-related injuries as possible. Chesapeake Employers believes the use of blanket post-accident drug testing policies falls under the section focused on limiting discrimination against employees for reporting work-related injuries or illnesses.

The Final Rule does not impose a ban on drug testing, however, it "prohibits employers from using drug testing (or the threat of drug testing) as a form of adverse action against employees who report injuries or illnesses." It also suggests employers should "limit post-accident testing to situations in which employee drug use is likely to have contributed to the incident, and for which the drug test can accurately identify impairment caused by drug use."

Chesapeake Employers has been in contact with the Maryland Department of Labor, Licensing & Regulation's Division of Labor and Industry on the potential impact to policyholders. Clarification continues to be developed at the federal level relative to what an acceptable post-accident drug testing program should look like.

The common theme is that an appropriate program would be based on a determination of need according to accident circumstances. Since each accident's circumstances are unique, we suggest documenting the decision to proceed with drug testing. Any changes to an employer's drug testing program should be reviewed by his/her employment attorney before implementation. We will keep you apprised of any developments as we are made aware of them.

This final rule becomes effective on January 1, 2017, except for 1904.35 and 1904.36, which became effective on August 10, 2016.

For more information and guidance, click here.
  
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