Equipment breakdown coverage is broader and covers air conditioning equipment, whereas food spoilage coverage is specific to food spoilage caused by equipment or mechanical breakdown or failure.

A return-to-work (RTW) program is a way to get injured workers back to work more quickly. Job duties may be modified to accommodate an injured worker’s temporary impairment. Employers embracing a RTW program gain reward across every area of operational effectiveness. Most people want to be productive, generating value for themselves, their family, and their employer. An effective RTW plan reassures your employee that he or she is respected and valued. Additionally, if you are a company that has an E-Mod applied to your work comp insurance premium, an RTW program can help limit the negative impact a loss has on the E-Mod calculation.

Thankfully, bringing charges against an employee who stole from you isn’t required for you to make a claim. This can help you through some awkward situations and may make the process easier. However, a filed police report will be required during the claims process.