A study by University of Utah Health and MDGuidelines researchers found that people with lower back pain injury miss 11 more days of work in a year when they only receive treatments for lower back pain that are not recommended by medical evidence-based guidelines compared with people treated according to guidelines.

The data for the study, released Thursday, came from California workers compensation claims between 2009 to 2018 for 60,000 workers who had uncomplicated, acute lower back pain or strain, which researchers pegged as the most prevalent injury in the workplace.

The researchers then tracked whether treatments prescribed in clinic visits within the first week after injury were categorized as recommended or non-recommended in the peer-reviewed American College of Occupational and Environmental Medicine guidelines, with the assumption that similar treatment patterns would continue in any subsequent clinic visits. The researchers then calculated the number of lost workdays within the first

The question I want to ask you first is, “Is your business covered?” In business, uncertainties and struggles are just waiting to arrive at the scene. A typhoon might wreck your property, an employee could get injured, or a client might file a lawsuit due to a misunderstanding. Whatever the reasons, if you care for your business, there is no choice, and you have to be ready. It is why business insurance is a protection and a necessary ingredient of a successful business.

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Business Insurance purpose are to protect you from any financial loss that may occur. Still don’t understand why is it necessary? Because, for instance, if an employee unluckily gets injured through your business’ old stairs, this could lead your business to court and may cost a lot more money. But if you are insured, the insurance policy you paid for

Workers compensation insurance pays for medical care, on-going physical therapy, disability benefits, lost wages and other benefits should an employee get hurt or sick in a work-related incident. Each state determines the workers compensation laws for companies in their state.

Here’s a closer look at Florida workers comp insurance.

Who Must Have Florida Workers Comp Insurance

Most but not all Florida companies are required to get workers compensation insurance in the state of Florida. Here’s who must have it:

• Employers who have four or more employees including business owners who are corporate officers or Limited Liability Company (LLC) members
• Construction employers who have one or

(Reuters) — Czech utility CEZ said Friday it had found alternative insurance for its coal-fired power plants after two providers said they would stop covering them from next year as part of an industry drive to drop climate-damaging business.

Insurers Generali Ceska Pojistovna and Ceska Kooperativa of the VIG group have reached an agreement with CEZ to end cover of the plants, the companies said.

“We are reducing our activities in insuring coal power plants,” Generali said in a statement, adding it was aiming to rapidly de-carbonize its portfolio.

CEZ did not give details of its alternative solution.

“The trend is clear; this is after mutual agreement,” a CEZ spokesperson said.

“We have already set up a new system of insuring our coal plants from the next year onward. We will secure these end-of-life sources until they are definitely decommissioned.”

CEZ presented a strategy outlook last month planning to shut

A group of cyber insurers including American International Group Inc. and Chubb Ltd. have joined to form CyberAcuView LLC, a consortium aimed at enhancing cyber risk mitigation efforts across the industry.

Other founding members of the New York-based organization, whose CEO is Mark Camillo, former London-based head of cyber for Europe Middle East Asia at AIG, are Beazley PLC, The Hartford Financial Services Group Inc., Liberty Mutual Insurance Group and Travelers Cos. Inc.

Its website says it is working with other leading direct writers of cyber insurance to invite additional participants as associate members.

A statement issued by CyberAcuView on Thursday said the company will compile cyber-related data “to enhance value and service to policyholders and help ensure a competitive market for cyber insurance.”

The statement said CyberAcuView’s founding members will use their collective expertise to provide best practices to improve resilience to cyber risk; proactively engage with regulators, law

Starting a new business is an exciting time and you’ll want to choose the best types of small business insurance policies to keep your company safe from the potential costs of claims, damages and lawsuits. Here’s a roundup of important small business insurance policies.

Business Liability Insurance

General liability insurance protects a small business from claims of property damage and bodily injury. As a small business owner, you may be legally responsible if a person’s property gets damaged while visiting your business, company or store. And if your business is responsible for someone’s injuries (not including an employee’s injuries), general liability insurance would pay for