FBinsure Blog

Broken Crystal Balls and Exit Planning

I remember a conversation I had about 10 years ago with a successful business owner.  I remember this gentleman fondly.  He took the time to help mentor a young and eager insurance professional.  He shared great stories with me and often a 15 minute meeting could turn into hours of laughter, sharing of failures and successes, and pearls of wisdom.

How To Handle The Use Of Employee Personal Devices In The Workplace.

As technology evolves and the drive to have instantaneous access to information increases along with it comes the added exposure of having a data breach. This is very evident when employers allow their employees to use their own personal devices to conduct company business while at the office and access company information remotely. There are many schools of thought regarding allowing employees to use their own devices for their daily work. Many feel allowing an employee to use their own device will make them happier, more comfortable and more productive.

What is an Experience Modification and Why Does it Cost Me So Much Money?

Anyone who has the “privilege” of handling a Business’ workers’ compensation program has probably heard of an Experience Modification (X-Mod, E-Mod or Mod’s as they are often referred to), but many do not know what it is or what function it serves in a workers’ compensation program.  Today I will give you some clarity on the subject of X-Mod’s.

The Somewhat Confusing World Of CONTRACTs for CONTRACTors and subCONTRACTors

Whether you are a Snow Contractor, a Landscape Contractor or a General Contractor, at some point you will most likely hire one or more subcontractors. By definition, according to dictionary.com, a subcontractor is:

“a person or business firm contracted to do part of another's work.” 

New Family Members!

We have great news!  

FBinsure has once again expanded!  We are so excited to announce that The Gramlich Insurance Agency in New Bedford has joined the FBinsure family.   For current Gramlich Insurance customers there is no need to worry because Ray Gramlich, agency President, will remain on board and continue to work with his current clients.

Holiday Safety Tips

With the Thanksgiving hangover worn off, people everywhere are getting into the Christmas spirit by decorating their homes, humming Christmas carols, and shopping for the perfect gift for their loved ones. Whether you are planning to use a real tree or a fake tree to stack your presents under, below are some helpful safety tips to ensure your holiday is safe and jubilant.

-When choosing a Christmas tree, be sure that any fake tree is certified as flame retardant. Real trees should be fresh. Dry needles on a real tree are a fire hazard so be sure that the needles are not brittle.

Dirty Little Secrets - Part 5 of 5



Dirty Little Secrets - Part 4 of 5


Dirty Little Secrets - Part 3 of 5

Dirty Little Secrets - Part 2 of 5


Here is another little secret for you.  A supervisor is more important than a doctor when it comes to a workers’ compensation claim.  Now that may sound crazy!  How could a supervisor be more important than a treating physician when it comes to a claim?  A supervisor is the first person to react to a workers’ compensation claim.  The way they react to that claim has a significant impact on that claim.