Blog Category: Property and Casualty

Blog Category: Property and Casualty

Preparing for the Hurricane Season: Insurance and Life Planning for Natural Disasters

At Catto & Catto, we saw 200 hurricane & flood insurance claims in 2017, most due to Hurricane Harvey’s devastating damage in Houston and along the Gulf Coast. Families experienced significant losses from minor wind damage to total home destruction.

Planning in Advance: Coverage that Protects

The good news is that our policyholders were...

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Demystifying OSHA’s Silica Dust Rule for Construction Safety

OSHA's Respirable Crystalline Silica standard rule defines how the construction industry should protect workers from breathing silica dust. Unfortunately, not all of the terminology around respiratory protection and respirators is easy to understand. What’s APF 10...

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How Much Does A 100% Healed Policy Cost? $3.5 Million for One Employer

Do you have a (TRTW) transitional return to work policy, or do you require employees to be fully healed before allowing them to return? Many employers have policies that appear to be logical, including expecting employees to be able to perform the essential functions of their jobs without issue. Enter a law of which some employers are not aware, or are not aware...

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Texas Workers’ Compensation Costs Down 63% Since 2005

More Texas businesses are providing workers’ compensation insurance as the cost of coverage continues to decline. Premiums have fallen by 63 percent since 2005 as the Division of Workers’ Compensation worked to reduce costs and improve care through health care networks, a drug formulary, safer workplaces, and other reforms.

In Texas, the average premium...

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Auto Insurance Premiums on the Rise in 2018

Catastrophic events in 2017 caused record insurance market losses topping $300 billion. Last year, over 500,000 vehicles were lost due to flooding and wind storms from Hurricane Harvey alone. Now, insurance companies are raising rates to try to recoup their losses and back into the black. Because insurance is a group pool, we all pay the price when there is a...

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