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Better outcomes for back pain treated under medical guidelines

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

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6 Reasons Why You Should Get A Business Insurance via Top Insurers

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

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Florida Workers Compensation Insurance Laws – Forbes Advisor

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations.

Business Insurance Made Simple

Compare Free Quotes From Top Insurers at SimplyBusiness. Get a Policy in Under 10 Minutes.

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
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Czech utility finds alternative as insurers pull coal cover

(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

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AIG, Chubb, other insurers form cyber consortium

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

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Options For Small Business Insurance – Forbes Advisor

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations.

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.

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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

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Editor’s Column: Is buying Nutmeg a nutty decision?

 

I have to confess that I scratched my head this week when I heard the news that JP Morgan Chase was buying the loss-making robo-adviser Nutmeg.

Has someone at JP Morgan gone a bit hazelnut, I thought? Why buy a loss-making business that on most accounts has under-performed since it was launched nearly 10 years ago?

And why buy into a sector, the robo-advice market, that most have already written off as failing to get off the launchpad.

On reflection, however, I think it could end up being a rather smart move in time – but perhaps not for obvious reasons. A study of the global wealth market published this week by Boston Consulting gives us some clues.

But first what has JP Morgan bought and why? Ostensibly it has acquired Nutmeg as a platform to launch into the mass savings market under the Chase brand. JP Morgan, by all

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JP Morgan buys Nutmeg

JP Morgan Chase has acquired loss-making digital wealth manager Nutmeg as it looks to expand its retail digital wealth management offering.

JP Morgan said the acquisition will complement the firm’s UK digital bank due to be launched under its Chase brand later this year.

Nutmeg has over 140,000 clients with over £3.5bn of assets under management. It claims to have been the first ‘digital wealth manager’ in Europe to reach £2bn in assets under management.

The digital wealth manager offers a range of investment and pension products and was launched in 2012.

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In its most recent financial results the firm posted a pre-tax loss of £22m, the third year in a row of major financial losses.

JP Morgan had already announced a product partnership with Nutmeg in November.

Sanoke Viswanathan, CEO of international consumer at JP Morgan Chase, said the team is building Chase in the UK from

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Brown Shipley appoints ex-Brewin director as chair

Wealth manager and Chartered Financial Planner Brown Shipley has appointed experienced industry professional Kath Cates as chair of its board of directors.

The appointment, subject to regulatory approval, will see Ms Cates replaces Rory Tapner, chair of Quintet Private Bank, who was interim chair of Brown Shipley.

Ms Cates has more than 30 years’ experience in financial services and has held senior roles based in the UK and overseas. 

She has served on the boards of several financial services companies including Brewin Dolphin. She also sits on boards within the Columbia Threadneedle Group; TP ICAP; United Utilities Group and until recently, RSA. 

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During her career she spent more than 20 years at UBS, where she held roles as global head of compliance and general counsel and was appointed to the UBS global investment bank board. She went on to be appointed global COO of the wholesale bank at

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State Pension deferrals drop to record low

The number of people receiving an increased State Pension after deferring the benefit has dropped to its lowest level since the figures started being recorded in 1999.

In September 7.7% of State Pensioners (959,000 people) were receiving an increased weekly amount after deferring, according to new figures from the Department for Work and Pensions (DWP). That compares to a peak of 11% in 2004 when 1.25m pensioners received extra income.

The majority of the fall was from women whose State Pension age began to rise from age 60 in 2010. Women now constitute 73% of those receiving extra pension, down from 80% in 2004.

Since 6 April 2016, those deferring can receive 1% more income for every nine weeks they defer. This equals a return of nearly 5.8% extra for every year deferred.

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Those who reached State Pension Age before April 6th 2016 can still opt to defer

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