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OVERVIEW
On May 12, 2016, the Occupational Safety and Health Administration (OSHA) issued a final rule requiring certain employers to electronically submit data from their work-related injury records to OSHA. The final rule also solidifies employee anti-retaliation protections for reporting work-related injuries and illnesses.
The final rule becomes effective on Jan. 1, 2017, but compliance with anti-retaliation provisions and reporting deadlines will be phased in through 2019.

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It’s About Time

Do you know exactly what’s expected of you, as a policyholder, if you have a claim? There’s often a lot of “insurance language” to sort through, but most importantly realize that timing is critical.

Most insurance policies contain a section outlining the policyholder’s responsibilities in the event of a claim. With liability policies in particular, the policyholder’s duty requires that claims be reported immediately or as soon as possible after the policyholder has acknowledged a claim could be made.

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Whether it’s a start-up company or an established corporation, businesses regularly enter into legal agreements that include common insurance requirements. Attorneys generally draft these legal contracts – and the majority of them aren’t up to speed on the

latest insurance forms and terminology. In fact, it’s almost a rule rather than an exception to find insurance terms used in contracts that bear no resemblance to current usage.

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Many things evolve over time – technology, medical advancements, home décor…and insurance policy language. That’s right. Outdated terms on your old insurance policies may not be as obvious as 1970s orange shag carpet, but it’s very important to make the changes.

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Watch for our ad in Crain's Detroit Business July 27th - featuring the list of Largest Business Insurance Agencies in Southeast Michigan

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Crain's Ad Campaign

As we continue with our ad campaign in Crain's Detroit Business we want to make sure you don't miss any of the issues. The June issue that Kapnick was featured in was yesterday - June 15th, 2015 - featuring our own Tyrone Jordan. Take a a peek!

Halloween is a scary time, but the fear should be all in fun. Help prevent a trick-or-treat tragedy by sticking to some basic safety guidelines when handing out treats to the neighborhood children.

• Stick to handing out individually wrapped candy and treats. Many parents are wary of home-baked or unwrapped items.
• Make sure treats that contain common allergens, such as peanuts, are clearly marked.
• Turn on your outdoor light both as a signal that you are handing out candy, as well as to prevent anyone from tripping and falling in the dark.
• Remove any obstacles from the walkways, such as a stray garden hose or unlit lawn decorations.
• Park your car so as not to obstruct parents’ views of their children as they approach your door.

After all the Halloween candy has been devoured,
some tips on Dental Health for Children may come in handy!

Trick-or-treating for Halloween candy caps off the month of October for most children, but with the sugary holiday comes the potential for something much scarier than plastic lawn ghosts—cavities and dental bills.

Whether your children are consuming large quantities of sugary treats or not, maintaining dental hygiene is an important habit to teach children. The best time to instill good dental habits is when your child is still young.

2013 Kapnick Year in Review

Doug Kapnick (Kapnick Insurance Group) and good friend, Steve Hickman (Brazeway, Inc.) featured on the cover of Lenawee magazine. Doug Kapnick and Steve Hickman, retired entrepreneurs, continue their philanthropic passion by building beautiful kayaks and paddleboards then donating them to charities to auction off at their fundraising events.