Texas Construction Workers Demand Better Wages, Safer Working Conditions

According to a recent report from Texas KVUE News, hundreds of constructions workers and their supporters marched to the State Capitol yesterday seeking better wages and safer working conditions.

The protesters made their pleas known visually—by carrying 138 coffins around the capital city, as a way to pay tribute to Texans who have died on the job within the last two years.

The Workers Defense Project says Texas is the most dangerous and unhealthy state to work in for construction workers. The group is heavily promoting their grassroots efforts and calling on legislators to take immediate action, by make positive changes to Texas jobsites and construction regulations.

“We are actually demanding better treatment for construction people, construction workers,” stated Abel Lopez, a native construction worker. “We’re looking for safety and workers compensation.”

The lack large companies and independent employers carrying adequate Texas workers compensation worries the construction workers who risk their safety—and their lives—daily on hazardous job sites.

“Every two and a half days a worker dies on the job in this state, and one in five workers is injured in the job every year without worker’s comp,” civil rights attorney, Chris Benoit, said.  “We are the only state in the union that doesn’t have mandatory workers compensation for workers on the job.”

As reported from KVUE, there are several proposed bills before legislators this session. One would require construction employers to carry workers compensation; others look at the lack of rest breaks, safety trainings, and tax fraud.

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Texas Reports 3rd Year Decline of Private Employer Jobsite Injuries

The Texas Department of Insurance, Division of Workers’ Compensation (TDI-DWC) recently reported that Texas has entered its third straight year of declining jobsite injuries and illness.

Statistics show there were 213,507 total cases of nonfatal injuries and illnesses in 2009, which occurred during the workday. Of those, 60,240 occurred at private industry employers. According to Insurance Journal this is a 6.9% decrease from the 64,700 private industry cases reported in 2008 and the 69,320 nonfatal injuries and illnesses reported in 2007.

The survey also revealed that there were roughly 81 injuries and illnesses per 10,000 full-time equivalent employees in Texas in 2009. This rate was 4% lower than the nearly 84 cases in 2008. Additionally, the Texas statistic is lower than the national rate of 117 reported jobsite injuries per 10,000 employees.

When injuries or illness did occur, Texans spent an average of 8 days away from work —which acts as a key measure of the severity of injuries and illnesses. All of the facts and figures are based on data from the Bureau of Labor Statistics (BLS) Survey of Occupational Injuries and Illnesses.

The latest reports are a strong reminder for both employers and employees about the importance of a reliable Texas Workers Compensation plan. In the unfortunate case that jobsite accidents occur, it is vital that employers—both private and public—take the necessary precautions and secure effective Workers Compensation coverage.

For more information, a free TX Workers Compensation quote and a review of your current policy visit Dagley Insurance today, one of our dedicated agents would be happy to assist you!

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Insurance Policy Myths

Quick, think:  are you 100% sure that you’re getting the best deal on your auto, home, or other type of insurance?  How can you be sure?  Have you researched different carriers to compare quotes?

It doesn’t matter if you’ve been using the same insurance provider for years or if you’ve just recently gotten a policy; there could always be a better choice for you.   Even if your insurance company promises that they’re the best option, you can’t really be sure. In fact, there are quite a few myths that insurance carriers want you to believe:

MYTH ONE: You’re stuck with your current policy. False!  Even if you paid for an entire year to get a discount, you can still switch at any time. If you’ve prepaid, you get a prorated portion of what you’ve paid back.

MYTH TWO: All carriers have the same rates. False!  Think about this:  have you seen TV commercials for your insurance carrier?  If so, that means that they have a big marketing budget.  Where do they get that marketing money?  By charging their customers more!  It’s a smart decision to look for smaller independent agencies who do not advertise as much.  You’ll see the difference in what you pay.

MYTH THREE: Your rate must remain the same for the duration of your policy. False! Had an accident or a ticket that’s keeping your rate high?  That doesn’t mean that it can’t come off your record while your policy is active.  However, insurance companies won’t necessarily drop your rates unless you ask and stay involved.

So, with all these myths uncovered, how do you know which insurance is the most comprehensive and affordable, without spending hours and hours doing research?  How do you know who you can trust to give you straight answers and advice?

At Dagley Insurance, we are an independent insurance agency that does the research for you. We are insurance experts who work for you – not the carriers!  We offer the best coverage, at a rate you deserve.

Don’t get ripped off by your insurance provider. Find out how you can get better insurance rates and save by choosing an independent insurance agency.  Contact us today at www.dagleyins.com!

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Colorado to Raise Workers Comp Insurance Loss Costs 3.4%

Are you a business owner in Colorado? Then you may want to review your workers compensation insurance coverage to make sure you’re getting the lowest price possible. According to a recent Insurance Journal article, Colorado employers will be seeing an average 3.4% increase in worker’s comp loss costs. This, in turn, will increase the overall premiums business owners pay for workers compensation insurance in 2011.

What are loss costs? They are the average costs of lost wages and medical payments of workers injured during their employment. According to Colorado’s Commissioner of Insurance, Marcy Morrison, this is the first increase Colorado has seen in over a decade.

As a business owner, what can you do to prepare? Start by taking a look at your workers compensation insurance coverage. It helps to go through this with an insurance agent; they can help you make sure you’re getting the most coverage for your budget. It always helps to review your policies and keep your coverage up-to-date.

Need more information on Colorado workers compensation insurance? Visit Dagley Insurance’s Virtual Insurance Office at www.DagleyIns.com or call one of our agents (888.840.7995) to review your coverage.

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