VIEWS: 14 PAGES: 6 POSTED ON: 6/26/2011
Landscape Contractors Insurance Services, Inc. Newsletter Holidays 2010 Are you the cheapest…? H ow many times have you heard that question is the premium you pay plus uncovered claims, partially while bidding on a job? In this economy, covered claims, legal fees, short and long term expenses there is no escaping that our price points have associated with poor claim handling, deductibles or poor become more critical than ever before. As business workmanship, inferior materials, construction defect owners we are faced with the challenge of doing the issues, consumer complaints and lost man hours just to same work for less, or worse, more work for less, name a few. DAvID R. to compete for, retain, or earn the business. This is BLooDGooD, true for both landscapers and your CLCA endorsed The best cost represents a fair price with the coverages you CIC insurance program from LCIS. need while providing all the services that landscapers and LCIS Sales Manager their clients have come to expect. When asked, “Are you the cheapest?,” I always like to respond with these two questions: 2. Are you the cheapest at what you do? If you are not the cheapest, why should I do business with you in this 1. Are you more concerned with the Price or the Cost? Price is simply economy? Aren’t you all basically the same, with all the the premium you pay for the policy or price you pay for the job. Cost same tools providing basically the same services? Think about it for a minute. If you are not the cheapest how do you justify the value of “why” you are worth more than your competitor? What do you do, how long have you been doing it or what do you offer or bring to the table that others in your industry do not? How did you calculate that value and how do you explain this additional value (expense) to your client or prospective client? We all bring our own unique “value” to the table. RETURN SERVICE REQUESTED PERMIT #740 Fresno, CA 93727 Landscape Contractors Insurance Services (LCIS) was PASADEnA, CA 1835 N. Fine Ave. PAID US POSTAGE Insurance Services, Inc. formed by and out of the vision of the California Landscape PRSRT STD Landscape Contractors Contractors Association (CLCA) over 20 years ago with the primary charter and mission to provide financially strong insurance products and stable insurance premiums solely to You’re a Winner with LCIS! the members of CLCA through the various economic and insurance market cycles in California. Additionally, LCIS L CIS recently participated in the Landscape Expo in Long Beach in October, where our representatives has contributed over $50,000,000 in rebates, equity contribu- tions, sponsorships and support of CLCA and the landscape contractor industry in California. shared the value of CLCA member- ship and LCIS insurance coverage with There have been many positive changes at LCIS in 2010 and attendees. Highlights of the trade show we are excited about the New Year ahead of us. We look were when President/CEO Kim Ayala forward to working with you in 2011 to offer our specialized tried on a safety helmet “just to be one Green Industry insurance programs at very competitive rates of the guys,” and when John Grise, representing the best cost and greatest value for our CLCA President of Alder Landscape Services, Inc. member family. won the big raffle prize – a really neat tool chest barbeque. Congratulations to the lucky winner! Take care and stay green! President’s Message Happy Anniversary to the Following Congratulations to All the Employees: CLCA Award Winners! JULY Connie Bringetto 7 years I would like to congratulate all the 2010 CLCA Landscape Award Lera Pedrizzetti 4 years winners. It was nice to see a lot of familiar faces at this year’s Trophy Kim Saenz 7 years Awards Show in Anaheim. It turned out to be an excellent red KIM AyAlA President / CEO carpet event. It is always interesing to see the photos of the completed AUgUST projects. It’s a nice visual instead of only imagining what type of pickup truck, backhoe or mower we insure. Connie Carpenter 9 years It’s that time of year again, REBATE Ashley Long 4 years TIME. Even with the severe recession u MISSIoN STATEMENT u Elizabeth Ngo 4 years we have all experienced, I am pleased to Claudette Stockbridge 5 yrs announce that LCIS will once again be “To provide quality insurance paying a rebate. This year we will pay products at competitive prices, SEPTEmbEr a 3% rebate for the premiums billed in along with superior service Fran Barker 7 years 2009. Over the last 20 plus years LCIS has paid over 36 Million Dollars in rebates. through our commitment of Sabrina Drake 2 years Look for your check at the beginning of excellence to our customers Stacy Manning 7 years December. and employees.” Tina Schulze 3 years If you are not currently insured with LCIS or a member of CLCA, LCIS and CLCA will Vivian Garcia 15 years pay your first year’s CLCA membership dues if you obtain insurance through us. Terry Mahlman 10 years As the year comes to an end I would like to wish everyone a very Happy Holiday Season Debbie Kirby 8 years and a prosperous New Year! Thank you for your business. – Kim Ayala Mike Dunn 13 years OCTObEr Client Testimonial – LCIS Professionalism Praised Janet Schoenfeld 5 years “This was a no-brainer decision for me this year. The work comp NOvEmbEr rates issued are very competitive with a modest increase to last Sharon Barroca 6 years year’s, and I certainly enjoy the decrease with the package rates. Debbie Cerkueira 8 years And just as important, this was an easy decision for me as the trust Benita Hall 4 years that we have built over the years has really solidified this relation- Ramon Simpson 6 years ship, and I appreciate that. DECEmbEr “It’s a pleasure doing business with LCIS and more specifically with Rosario Bustos 4 years Elizabeth Ngo and Gil Gonzalez; it’s refreshing to know that they Sharmane Jones 10 years will follow through EvERY time.” Rhonda Scow 9 years – Pierre R. Marizco, Marizco Landscape Management, Inc. Making a Difference! Contact Us LCIS Employee Recognition Program Toll-Free (800) 628-8735 President/CEO If one of our employees has made a positive difference by providing Kim Ayala ext. 511 outstanding service and deserves recognition, please let us know. Vice President, Sales E-mail your comments to: Ethan Brown, Human Resources – Jerry Elson ext. 512 firstname.lastname@example.org, or call us at (800) 628-8735 Certificate Request Fax (800) 440-2378 LCIS Website www.lcisinc.com 2 Employee WC Guru Catching Up with New Spotlight WC Developments It has been a while, so let’s catch you up on California TERRY Pamela Severson, MAhLMAN Workers’ Compensation… Accounting Business WC Rates – What’s in store for 2011? WC rates continue to slowly Development Department, began Manager increase. In 2009, the WCIRB proposed a 22.8% increase in the working at LCIS in advisory rates. The Insurance Commissioner rejected the proposal November 2009, and carriers took small-to-moderate increases throughout 2010. This year, the WCIRB has but brings with her once again proposed a large increase of 27.7% in the advisory rates. Indications are that 29 years’ worth of the Insurance Commissioner will also reject the proposal and accounting and 25 that carriers will increase rates 5-10% for 2011. LCIS continues Indications years of insurance to compare rates for our various WC markets to come up with “I like to step back experience, having the best value available for each of our customers. are… that and look at the big worked 22 years with picture to find the the same agency Experience Rating – There were multiple changes to the carriers will solution…” as an Accounting experience rating plan for 2010 that caused some employers to Supervisor. She also has extensive have higher experience modifications than in prior years. Good increase news this year is that the calculation process is not changing. experience in Quality Control, Procedures However, effective January 1, 2011, the experience modifica- rates 5-10% and Workflow as well as software analysis as it relates to accounting and sales, tion worksheets will include the employer’s “loss free mod” for 2011. having played a leading role in three major showing the best possible experience modification that the software conversions over the years. employer would have received if no losses occurred. The differ- ence between the actual mod and the loss free mod would be the amount that is “control- In her spare time, Pamela enjoys lable” by employer safety programs promoting accident prevention. For more details on photography, music, computers, traveling the experience modification process, please refer to LCIS newsletters of 7/06 and 8/06, and spending time with her loving husband available at our website. If you would like an explanation of your experience modification, and two teen-aged children. please feel free to contact me. victoria Revised CA WC Posting Notices/Forms – Effective October 8, 2010, California Anderson, employers must: 1) post revised Workers’ Compensation posting notices (DWC-7); 2) Account Manager, distribute an updated version of the new hire pamphlet to employees hired on or after just began working that date; 3) utilize the revised DWC-1 Claim Form/Notice of Potential Eligibility when for LCIS this July; an employee reports a work injury; and 4) post Medical Provider Network (MPN) notices however, she has – if the employer has implemented the MPN process. Your insurance carrier, as well as been in the insurance LCIS, has previously communicated the changes to be implemented and has sent out industry for over sample copies of the DWC-1 and DWC-7 forms. At press time, Tower Select is finishing 10 years. She looks off a second mailing that will include copies of the Facts About Workers’ Compensation forward to building “I look forward brochures that you need to provide to all newly hired employees. Please contact Judi relationships with to building Smith or myself if you need assistance. LCIS customers relationships with Alternative WC Solutions – LCIS now has the ability to offer a PEO solution for and with fellow LCIS customers WC and HR/Payroll Services needs. PEOs (Professional Employer Organizations) utilize employees. Being and with fellow co-employment agreements to cost-effectively outsource human resources, payroll and knowledgeable about employees.” workers’ compensation. The PEO client (you) is able to focus on the core elements of his/ insurance coverage her business in order to maintain or grow the bottom line. The PEO client is able to make and procedures is important to Victoria. all the key decisions needed in order to direct and run the business (including hiring, She has earned various industry firing, directing work, disciplining, setting salaries, etc.), but the HR, payroll, payroll tax designations: AIS (Associate in Insurance compliance and unemployment claims are handled by the PEO. In addition to offering Services), CISR (Certified Insurance Service “standard” WC coverage, we will offer the PEO option to customers where there is a good Representative), and the CPIW (Certified fit for a PEO. Professional Insurance Woman). Victoria is also an active member of Insurance Women of Fresno and was awarded the title of “Rookie of the Year” in 2004. She also was First- Runner-Up in the National For additional information, visit the lCIS Website: Association of Insurance Women state level speech competition in 2009. www.lcisinc.com 3 ‘Thanks a Million’ Contest Winners Announced!!! L CIS would like to congratulate the winners of its first two The fourth quarter 2010 renewal winners are: “Thanks a Million” drawings. Here’s how the contest works: Green Leaf Tree Care, Inc. of San Diego, CA When you returned your renewal information by the date Taylor Made Landscape Construction of Saugus, CA noted on your renewal information packet and you return your Lesaca Landscape of Bakersfield, CA “Thanks a Million” bill with your business name and phone Hydrosprout, Inc. of Escondido, CA number, you are entered in our “Thanks a Million” drawing. The Martinez Landscape Co., Inc. of Sylmar, CA prize is a $50.00 gift card and there are five winners chosen each We would like to thank all who have retuned their renewal infor- quarter. mation packet to us by the requested date. This helps us keep our The first drawing was held in August for third quarter 2010 work flowing smoothly, enables us to provide our carriers with a renewals. The winners were: submission and provide you with a proposal in a timely manner. Queco, Inc. of Sonoma, CA We at LCIS thank you for your business! Corbella Landscape of San Diego, CA Dave Reynolds Landscapes of Riverside, CA Green–Tek Landscape of Valencia, CA Cortland Landscape Construction, Inc. of Arroyo Grande, CA Visit Us At the Lis shOW Jan. 12–13 – L.A. Convention Center LCis will be in booths 2034 and 2036 Spreading the Good News enter to win a toobox barbeque set! SFX SPEAKER Doug Carter (fourth from left) was sponsored by LCIS this LANDSCAPE EXPO show in Long Beach in October drew LCIS past June. Shown at the San Jose event are LCIS team members David representatives Jerry Elson, Kim Ayala, Terry Mahlman, David Bloodgood, Bloodgood, Jerry Elson, Nelson Colvin, Kim Ayala and Terry Mahlman. Dan Dvorak and Oscar Montano (and that nifty barbeque). LAUGHING UP A STORM at the November CLCA Convention in CLCA CONVENTION activities also included a visit from Mickey and Anaheim’s Disneyland Hotel is Humor Therapist and Keynoter Elaine Minnie Mouse. Enjoying the Magic Kingdom are LCIS team members Lundberg (right), with her LCIS sponsors Jerry Elson, Dan Dvorak, Kim Kim Ayala and daughter Ashley Husong. Ayala, David Bloodgood, Nelson Colvin and Terry Mahlman. 4 Safety Tips of the Quarter Holidays 2010 Keeping Safe This Winter By Bridget Miller, El Dorado Communications, Inc. B lizzards? Freezing rain and hail? Weeks n Candles are often used during holiday n Drive with lights on LOW beam. High at a time with below freezing temps? celebrations. Be sure to keep your home beams will reflect off the fog, creating a Just because much of California or office safe by keeping them away from “white wall” effect. Avoid crossing traffic doesn’t experience the extremes we see on children. lanes. the news doesn’t mean that we can ignore n Travel with the driver’s window partially the changing seasons when it comes to open. Listen for traffic. watching our safety. There are still plenty of seasonal hazards to be aware of this winter. n If your car is disabled or you can’t continue, pull well onto the shoulder and December marks the start of the winter turn off lights. Move away from your weather, but is also a time of holidays and vehicle. celebrations. We’ve just started the season for more rain and the occasional dip into n Check road conditions often by calling the downright cold temperatures. More rain can Caltrans Road Conditions Hotline: 1-800- mean more danger of floods. This combina- 427-ROAD (1-800-427-7623). tion means more hazards to be aware of – n Winterize your car by checking the brakes, both inside and outside. defroster, heater, exhaust, lights and tires. SAFETY TIPS AT YOUR HOME OR OFFICE n Keep a full gas tank, which will allow you n Be sure to have safeguards in place at your n Speaking of fire hazards, if you didn’t the leeway to turn around if you encoun- home and business, such as rubber mats in check your smoke detector batteries ter bad conditions without worrying about areas that may become slippery when wet. during the time change in November, now having enough gas to get home. is a good time to replace them. n The Federal Emergency Management n Holidays present a lot of opportunities to Agency (FEMA) also has some good advice WHILE WORKING… celebrate, but drinking and driving should on flood preparedness: never be part of the celebration. Always n Keep hands and skin in good shape by • Know safe routes from your most wearing gloves. have a designated sober driver or call a traveled destinations taxi. n Bring a thermos to work with a warm • Ensure your flood insurance policy is beverage or soup to keep your temperature Bridget Miller is a free- up to date up while working outside in cold weather. lance writer and Human • Do not try to walk or drive across WHILE DRIVING… Resources expert who flooded areas. If your car stalls and house sits all over the n Early morning frost or even ice is possible globe. She submitted this you can abandon it, do so immedi- in some areas; plan accordingly. Especially ately and seek higher ground. story from Hawaii, of all if you’re going to be driving at night or places! n Have a safety kit available in your home in the early morning, be aware that black Bridget Miller or office in case of a flood or power ice can form on the road, causing loss of control of a vehicle in a hurry. outage. Safety kits might include: first aid kit, canned foods and can opener, radio, Safety Tips Wanted! n Allow more distance on wet roadways drinking water, flashlight, extra batter- Do you have some safety tips that have between you and other vehicles. ies for both the radio and flashlight, and made a difference for your company? blankets. n You should also carry a car or truck safety Send them to LCIS at the address kit, which might include flares or emer- below, ATTN: Editor, and they might n Some holiday plants, such as poinsettias gency triangles, etc. If it snows in your appear as future Safety Tips of the and mistletoe, are actually poisonous. Take area, also include abrasive material such care to ensure that these are not acciden- Month to share with your fellow CLCA as sand, salt or non-clumping cat litter, members. tally ingested, especially by children. and a small shovel to free the vehicle if it n Holiday decorations also present some becomes stuck in snow or mud. risks, either from breaking or from being n Fog can also be prevalent. The CHP offers swallowed by small children. As best you these fog driving safety tips: can, keep kids and pets away from them. 1835 N. Fine Ave., Fresno, CA 93727 (559) 650-3555 ph / (559) 650-3558 fx Website: www.lcisinc.com Consejos de Seguridad días de fiesta 2010 Manteniendo la Seguridad en el Invierno Por Bridget Miller, El Dorado Communications, Inc. T ormentas de Nieve? ¿Lluvias heladas y • Los adornos de navidad también presentan riales abrasivos como arena, sal o piedritas granizo? ¿Semanas con temperaturas algunos riesgos, ya sea en el caso de que para gatos que no se aglutinen, y una pala bajo cero? Solo por el hecho de que se quiebren o que sean ingeridos por niños pequeña para liberar el vehículo si se queda gran parte de California no presenta estos pequeños. Lo mejor que usted puede hacer atrapado en la nieve o barro. extremos en las temperaturas que vemos es mantener fuera del alcance de estos a los • La niebla también puede aparecer a menu- en las noticias no quiere decir que podemos niños y mascotas. do. CHP ofrece estos consejos de seguridad: ignorar los cambios de estaciones cuando se trata de cuidar nuestra seguridad. Todavía • Maneje con las luces bajas encendidas. Las hay muchos peligros de la temporada invernal luces altas se reflejan en la niebla, creando que debemos tener en cuenta. un efecto de “pared blanca.” Evite cruzar los carriles de tráfico. Diciembre marca el principio del invierno, pero también es tiempo de celebraciones • Maneje con la ventanilla del conductor par- y días feriados. Acabamos de empezar la cialmente abierta. Escuche el tráfico. temporada de más lluvia y de bajas pronun- ciadas en la temperatura. Más lluvia puede • Si su carro esta deshabilitado o no puede significar más peligro de inundaciones. Ésta continuar, muévase a la banquina lo más combinación significa más riesgos para tener que pueda. Apague las luces y aléjese de su en cuenta – tanto dentro como fuera del sito vehículo. de trabajo. • Verifique las condiciones del camino • Las velas son usadas frecuentemente en a menudo llamando a Caltrans Road CONSEJOS DE SEGURIDAD estas celebraciones. Mantenga su casa u Conditions Hotline al: 1-800-427-ROAD PARA SU CASA U OFICINA oficina segura manteniendo las velas fuera (1-800-427-7623). • Asegúrese de tomar precauciones en algu- del alcance de los niños nos lugares de su casa y oficina, tales como • Prepare su carro para el invierno chequean- alfombras de goma en las áreas que pueden • Hablando de los peligros de fuego, si usted do los frenos, el desempañador, calentador, volverse resbaladizas cuando se mojan. no chequeo las baterías de su detector de escape, luces y llantas. humo durante el cambio de hora, ahora es • La Agencia Federal de Manejo de un buen tiempo para hacerlo. • Mantenga el tanque de combustible lleno, Emergencias (FEMA) también tiene algunos esto le dará libertad de acción para volverse buenos consejos sobre cómo prepararse en MIENTRAS TRABAJA… y buscar otro camino si encuentra malas inundaciones. • Mantenga sus manos y su piel en buen condiciones sin tener que preocuparse por estado usando guantes. tener suficiente gas para llegar a casa. • Conozca las rutas seguras hacia los destinos que más viaja. • Lleve a su trabajo un termo con bebidas o • Los días feriados nos dan un montón de sopas tibias para mantener su temperatura oportunidades para celebrar, pero beber y • Asegúrese que su póliza de seguro con- manejar nunca debería ser parte de la cele- mientras está trabajando expuesto a bajas tra inundaciones esté al día. bración. Siempre tenga un conductor sobrio temperaturas. • No trate de caminar o conducir a través designado o llame a un taxi. MIENTRAS MANEJA… de áreas inundadas. Si su auto se detiene, usted debe abandonarlo inme- • Es posible encontrar escarcha o hielo por Bridget Miller es una diatamente y busque un lugar alto. la mañana temprano en algunas áreas; escritora independiente planifique en consecuencia. Sobre todo cuya su casa se encuen- • Mantenga un equipo de seguridad dis- si va a conducir por la noche o temprano tra alrededor de todo el ponible en su casa u oficina para casos de en la mañana, tenga en cuenta que puede mundo. ¡Una experta en inundación o corte de suministro de energía. formarse hielo en el camino, causando la recursos humanos, ella El equipo de seguridad puede incluir: un bot- pérdida del control del vehículo que va a presentó esta historia iquín de primeros auxilios, comida enlatada toda prisa. desde Hawái! y abrelatas, un radio, agua potable, linterna, Bridget Miller baterías extras para la radio y la linterna, y • Cuando la ruta esta mojada mantenga una colchas. mayor distancia entre los otros vehículos y el suyo. • Algunas plantas como la Estrella Federal y el Muérdago son venenosas. Asegúrese que • También deben llevar un equipo de seguri- estas plantas no sean ingeridas especial- dad en su auto o camión, que pueda incluir 1835 N. Fine Ave., Fresno, CA 93727 mente por niños. bengalas o triángulos de emergencia, etc. (559) 650-3555 ph / (559) 650-3558 fx Si nieva en su área, también incluya mate- Website: www.lcisinc.com
"Are you the cheapest… "