June 2018


BMI Upcoming Event
June 23, 2018 8A.M. to 11A.M.

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TOPBMI News & Updates

We love to support our community! Below are some events BMI has sponsored in June:


  • June 02, 2018- Poverello House 2018 5K for Meals
  • June 14, 2018- Visalia Chamber of Commerce Annual Awards
  • June 15, 2018- Woodlake H.S. Sober Grad 2018
  • June 16, 2018- UCP of Central California Walk and Wiffle Ball Tournament

In This Issue
Property & Casualty Trends 

Protect Yourself Against Illegal Acts with Crime Coverage
You may feel that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimized by fraud or theft. In this day and age, thieves (and potentially your employees) do not need direct access to cash to steal from you; merchandise, supplies and securities are all fair game. You may also be susceptible to losses in the event that finished products or even raw materials are stolen right from under your nose. Essentially, any product can be a target for thieves if there is an opportunity to make a resale profit. [...]

Life & Health Insurance Updates  
IRS_desk.jpgAffordability Percentages Will Increase For 2019 


On May 21, 2018, the Internal Revenue Service (IRS) issued Revenue Procedure 2018-34 to index the contribution percentages in 2019 for purposes of determining affordability of an employer's plan under the Affordable Care Act (ACA). For plan years beginning in 2019, employer-sponsored coverage will be considered affordable if the employee's required contribution for self-only coverage does not exceed: [...]

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Human Resource News discuss_agreement.jpg
Arbitration Agreements Are Not For Everyone
You may have heard about the recent U.S. Supreme Court decision allowing employers to enforce Arbitration Agreements in employee contracts. When this first came out, we received a number to client emails asking for this to be added immediately.
For some larges clients, this may, in fact, be a welcome addition to their policies and procedures. After all, arbitration is viewed as more factual and takes the case out of the hands of juries that may look upon the big, bad employer as the root of all evil. It also may be less expensive as punitive damages may be more in line with actual losses. [...]
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Loss Control Bulletin
Improve Tracking of Workplace Injuries & Illnesses Regulation
In 2016, OSHA developed a database for capturing all OSHA recordable occupational injuries and illnesses. The regulation requires ALL employers with 250 or more employees, and companies in 68 specific targeted industries with 25 or more employees, in the United States and it's Territories to start using an online system to document all the recordables through this system. Cal/OSHA and several other State OSHA programs delayed implantation for adoption into the State's programs.

On April 30, 2018, OSHA issues a notice notifying all State programs that as of July 1, 2008, employers in their state are to start using this online database for OSHA occupational injuries and illnesses that meet the recordable criteria. As stated in the notice "OSHA determined that Section 18(c)(7) of the Occupational Safety and Health Act, and relevant OSHA regulations pertaining to State Plans, require all affected employers to submit injury and illness data in the Injury Tracking Application (ITA)online portal, even if the employer is covered by a State Plan that has not completed adoption of their own state rule." [...]
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A Word from the Worker's Comp Departmentabstract_summer_background.jpg
Summer Safety- Dehydration
Helpful tips for keeping you safe on the job

In the simplest terms, dehydration occurs when you lose more water than you take in. Staying hydrated is important to keep all your body functions running smoothly. Whenever you are working outdoors or in warm environments, you'll want to take extra precautions as summer heats up. [...]

Summer Safety- Dehydration
Helpful tips for authorized and affected employees

Lockout/tagout (LOTO) procedures are used by employers to ensure energy controls are kept in an 'off' or safe position during maintenance and service work.
Two types of workers are involved in LOTO procedures: authorized and affected. An authorized employee and an affected employee may be the same person. However, both roles require proper training and safety practices. [...]

Claims Department Article

female_graduates.jpg How to Combat Liability Risk for Graduation Parties with a Personal Umbrella Policy
The National Center for Education Statistics is expecting that 3.6 million students will graduate from high school in 2017-18. As outgoing high schoolers around the U.S. hold their graduation parties in the days and weeks ahead, and their parents and guardians recognize their milestone achievements, they should also be aware of the liability they could face from hosting large celebrations at their homes.
The more people who attend a house party, combined with an array of items and "toys" that could cause an injury to visitors, could result in an unexpected financial liability that threatens a family's ability to stay in their home. If that sounds unlikely, consider that all it takes is one slip and fall, an injury in a swimming pool, a car accident caused by someone of age - or under age - who had recently left a house party where he or she had been drinking, or any one of many other incidents. [...]

Personal Lines Noteman_family_passport.jpg

Preparing Your Home for Vacation

Vacation is for fun and relaxation. Help save yourself some worry about what could be happening at home by protecting it from theft and damage while you are away. Here is a checklist we have developed to help you have a relaxing and peaceful vacation. [...]

June's Spotlight is on Don Sharp

Department and position: Commercial Lines including Bonds
When did you join the BMI team? 01/01/2013
What is the best part about working at Buckman Mitchell, Inc.? The great staff and professionalism of the organization
What is your favorite thing to do in your free time? Go to Shell Beach and collect wine

You may reach Don at (559) 635-3528 or