Articles by Kenneth J. St. Onge

The Road to a Paper-Free Environment Goes Beyond Technology

Paperless Agencies Create Better Workflows, Enhance Service, Security and Save Money, Too On the side of a Utah highway, the client had been pulled over by a state trooper at a traffic stop. It was a frustrating experience, made even …

Liberty Mutual Sues New York over Workers’ Comp Law Changes

Boston-based insurer Liberty Mutual Holding Co. has filed a federal lawsuit challenging several recent amendments to New York State’s workers’ compensation law as unconstitutional. The suit alleges that changes made in 2007 as part of a major overhaul of workers’ …

Conn. High Court: Smoking Lowers Workers’ Comp Benefits

Smoking kills. And in Connecticut, it also changes the apportionment of workers’ compensation benefits, the state’s top court has ruled. Last month, Connecticut’s Supreme Court ruled in an asbestos case that centered on permanent partial disability benefits for an insulation …

The Little Things

Like much else in life, when it comes to catastrophes, it’s the little things that count. Thousands of homeowners and business owners who will spend the coming months recovering from the after-effects of Tropical Storm Fay are learning the hard …

Soft Market Exposes Value of Risk Control for Golf Insurers

For the golf industry, 2008 business is at best a bogey — probably worse. And for the agents, carriers and program managers who cater to the golf and country club world, that’s made for a rough market, lately. Three key …

Contingent Commissions Legal, N.Y. Court Rules

In a twist to a scandal that has rocked the insurance industry in the past several years, a New York appeals court recently ruled that contingent commissions paid out by Boston-based Liberty Mutual Group Inc. are not illegal. The ruling …

New York Agents Support Expansion of Excess & Surplus Export List

Insurance agents and brokers in New York have called upon state officials to ease the rules for how agents obtain coverage for some high-risk policies. The Excess Line Association of New York has proposed adding dozens of new policy-types – …

New York Hearings Pit Agents Against Compensation-Reformers

A top executive for a key insurance broker urged New York regulators to quash the practice of insurance agents taking contingent commissions, despite calls from agents that the practice would hurt their businesses, and do nothing to improve the insurance …

N.Y. Court Holds Up Assessments for Failed Workers’ Comp Trusts

The New York Workers’ Compensation Board must do a better job of showing why a significant assessment was been levied against employer groups in the state that self-insure against workers’ compensation claims, a Supreme Court judge in Albany has ruled. …

New Jersey Workers’ Comp Reforms Target Payments, Employer Scofflaws

New Jersey lawmakers have approved a number of major changes to the Garden State’s workers’ compensation insurance system. The reforms comprise a package of six bills that, among other things, more harshly punish insurers for failure to pay claims (S1913) …