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	<title>Andreini &#38; Company</title>
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	<link>http://www.andreini.com/blog</link>
	<description>Insurance, Risk Management &#38; Employee Benefits Blog</description>
	<lastBuildDate>Fri, 04 May 2012 17:14:45 +0000</lastBuildDate>
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		<title>Surprise! Cal OSHA Surprise Inspections for Heat Illness Prevention and Confined Space</title>
		<link>http://www.andreini.com/blog/2012/05/04/surprise-cal-osha-surprise-inspections-for-heat-illness-prevention-and-confined-space/</link>
		<comments>http://www.andreini.com/blog/2012/05/04/surprise-cal-osha-surprise-inspections-for-heat-illness-prevention-and-confined-space/#comments</comments>
		<pubDate>Fri, 04 May 2012 17:14:45 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Safety & Loss Control]]></category>
		<category><![CDATA[cal/osha]]></category>
		<category><![CDATA[heat illness prevention]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[osha compliance]]></category>
		<category><![CDATA[osha regulations]]></category>
		<category><![CDATA[safety & loss control]]></category>
		<category><![CDATA[surprise inspections]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1313</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/05/04/surprise-cal-osha-surprise-inspections-for-heat-illness-prevention-and-confined-space/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Aircraft Owner Update: IRS Imposing Federal Excise Tax on Managed Aircraft</title>
		<link>http://www.andreini.com/blog/2012/05/04/aircraft-owner-update-irs-imposing-federal-excise-tax-on-managed-aircraft/</link>
		<comments>http://www.andreini.com/blog/2012/05/04/aircraft-owner-update-irs-imposing-federal-excise-tax-on-managed-aircraft/#comments</comments>
		<pubDate>Fri, 04 May 2012 16:56:07 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Aviation]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1327</guid>
		<description><![CDATA[Important article written by Dave Weil of Flight Department Solutions here in the Bay Area, as these changes will affect many Corporate Flight Departments, Airplane Charter Companies, Pilots, Aircraft Owners, and Aircraft Management Companies.  We at Andreini &#38; Company and our own Aviation Department felt it important to share as it contains very detailed information regarding this new Federal&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/05/04/aircraft-owner-update-irs-imposing-federal-excise-tax-on-managed-aircraft/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Who Needs Life Insurance?</title>
		<link>http://www.andreini.com/blog/2012/05/01/who-needs-life-insurance/</link>
		<comments>http://www.andreini.com/blog/2012/05/01/who-needs-life-insurance/#comments</comments>
		<pubDate>Tue, 01 May 2012 15:39:15 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[life happens]]></category>
		<category><![CDATA[life insurance]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1241</guid>
		<description><![CDATA[If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding. What’s more&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/05/01/who-needs-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Heat Illness Prevention Program &amp; Training Materials + Free Heat Safety Seminars</title>
		<link>http://www.andreini.com/blog/2012/04/19/heat-illness-prevention-program-training-materials-free-heat-safety-seminars/</link>
		<comments>http://www.andreini.com/blog/2012/04/19/heat-illness-prevention-program-training-materials-free-heat-safety-seminars/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 17:26:55 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Safety & Loss Control]]></category>
		<category><![CDATA[Workers' Compensation]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[free safety documents]]></category>
		<category><![CDATA[heat illness prevention]]></category>
		<category><![CDATA[heat safety]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[safety]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1267</guid>
		<description><![CDATA[Download the Safety Training and Communication documents to build a Heat Illness Prevention Safety &#38; Training Program:

CA Heat Illness Prevention Sample Program
Reducing the Risk of Heat Illness Powerpoint slides
Heat Illness Prevention Handout

Free Heat Illness Prevention Seminars

The State Fund and Cal/OSHA are teaming up to provide free Heat Safety Prevention Seminars.
Learn how Cal/OSHA interprets and enforces the&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/04/19/heat-illness-prevention-program-training-materials-free-heat-safety-seminars/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform: Medical Loss Ratios and Federal Mandated Rebates</title>
		<link>http://www.andreini.com/blog/2012/04/18/health-care-reform-medical-loss-ratios-and-federal-mandated-rebates/</link>
		<comments>http://www.andreini.com/blog/2012/04/18/health-care-reform-medical-loss-ratios-and-federal-mandated-rebates/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 20:26:36 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Compliance Updates]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Legislative Updates]]></category>
		<category><![CDATA[california insurance]]></category>
		<category><![CDATA[compliance]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[health care reform]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1285</guid>
		<description><![CDATA[Reprinted courtesy of Alfred (Mike) B. Fowler, ERISA and employment attorney for Kutack Rock LLP. www.abferisa.com. Contact Mike at mike@abferisa.com.
As one of the major pieces of Health Care Reform legislation (HCR), the Medical Loss Ratio (MLR) provisions are intended to assure that health care coverage will be reasonably affordable. However, by requiring health care policy issuers to&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Brinker Decision: California Supreme Court rules employers not required to enforce meal breaks</title>
		<link>http://www.andreini.com/blog/2012/04/13/brinker-decision-california-supreme-court-rules-employers-not-required-to-enforce-meal-breaks/</link>
		<comments>http://www.andreini.com/blog/2012/04/13/brinker-decision-california-supreme-court-rules-employers-not-required-to-enforce-meal-breaks/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 16:10:16 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Compliance Updates]]></category>
		<category><![CDATA[Employment Practices Liability]]></category>
		<category><![CDATA[Legislative Updates]]></category>
		<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[brinker decision]]></category>
		<category><![CDATA[california labor law]]></category>
		<category><![CDATA[california supreme court]]></category>
		<category><![CDATA[meal breaks]]></category>
		<category><![CDATA[rest breaks]]></category>
		<category><![CDATA[wage and hour]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1247</guid>
		<description><![CDATA[The California Supreme Court issued a long awaited ruling on a case filed nine years ago against Dallas based Brinker International, the parent company of Chili&#8217;s and other restaurants. Restaurant workers complained that missed breaks were in violation of California labor law.
Read an interpretation of the decision by the law firm of Drinker Biddle &#038;amp&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/04/13/brinker-decision-california-supreme-court-rules-employers-not-required-to-enforce-meal-breaks/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Potential Pitfalls of Difference In Conditions (DIC) Policies</title>
		<link>http://www.andreini.com/blog/2012/04/10/4-potential-pitfalls-of-difference-in-conditions-dic-policies/</link>
		<comments>http://www.andreini.com/blog/2012/04/10/4-potential-pitfalls-of-difference-in-conditions-dic-policies/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 16:24:32 +0000</pubDate>
		<dc:creator>David Hoskins</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[difference in conditions]]></category>
		<category><![CDATA[earthquake insurance]]></category>
		<category><![CDATA[flood insurance]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1232</guid>
		<description><![CDATA[Difference in Conditions (DIC) policies, usually purchased to obtain Earthquake and Flood coverage, are almost always non-standard policy forms and no two forms the same. The non-standard nature means there are potential coverage problems that you need to watch for.
1. Most DIC policy do not contain coinsurance clauses, but some do contain a requirement that&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/04/10/4-potential-pitfalls-of-difference-in-conditions-dic-policies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>View the recorded Webinar: Leaves of Absence &#8211; Navigating the Legal Maze</title>
		<link>http://www.andreini.com/blog/2012/04/04/view-the-recorded-webinar-leaves-of-absence-navigating-the-legal-maze/</link>
		<comments>http://www.andreini.com/blog/2012/04/04/view-the-recorded-webinar-leaves-of-absence-navigating-the-legal-maze/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 17:53:57 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Events]]></category>
		<category><![CDATA[Legislative Updates]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Webinar Archive]]></category>
		<category><![CDATA[employee benefits]]></category>
		<category><![CDATA[human resources]]></category>
		<category><![CDATA[leave of absence]]></category>
		<category><![CDATA[webinar]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1217</guid>
		<description><![CDATA[Beginning with the enactment of the Americans with Disabilities Act and the Family Medical Leave Act in the early 1990s, employers have been confronted in recent years with a slew of state and federal laws regulating leaves of absence in the workplace. Today, employers face a labyrinth of leave laws that address when and under&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/04/04/view-the-recorded-webinar-leaves-of-absence-navigating-the-legal-maze/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>andreiniADVANTAGE Safety: OSHA Compliant Portable Fire Extinguisher Safety &amp; Training Material</title>
		<link>http://www.andreini.com/blog/2012/04/02/andreiniadvantage-safety-osha-compliant-portable-fire-extinguisher-safety-training-material/</link>
		<comments>http://www.andreini.com/blog/2012/04/02/andreiniadvantage-safety-osha-compliant-portable-fire-extinguisher-safety-training-material/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 17:12:46 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Safety & Loss Control]]></category>
		<category><![CDATA[fire prevention]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[osha compliance]]></category>
		<category><![CDATA[safety]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1187</guid>
		<description><![CDATA[For businesses, the risk of a fire is a considerable one that can have serious ramifications. Many businesses that suffer a major fire either do not reopen or fail within three years of the fire. Download the following documents to use as a base to build your OSHA Compliant Portable Fire Extinguisher Safety program.
Download the Word&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/04/02/andreiniadvantage-safety-osha-compliant-portable-fire-extinguisher-safety-training-material/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Early Statistics show Health Care Reform costs more, but Startups aim to influence long term effects</title>
		<link>http://www.andreini.com/blog/2012/03/15/early-statistics-show-health-care-reform-costs-more-but-startups-aim-to-influence-long-term-effects/</link>
		<comments>http://www.andreini.com/blog/2012/03/15/early-statistics-show-health-care-reform-costs-more-but-startups-aim-to-influence-long-term-effects/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 19:27:48 +0000</pubDate>
		<dc:creator>Mark Centoni</dc:creator>
				<category><![CDATA[Alternative Funding]]></category>
		<category><![CDATA[Compliance Updates]]></category>
		<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[health care startups]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[patient protection and affordable care act]]></category>

		<guid isPermaLink="false">http://www.andreini.com/blog/?p=1170</guid>
		<description><![CDATA[In Business Insurance, Matt Dunning writes that an early survey of compliance with the Patient Protection and Affordable Care Act shows increases in some employers&#8217; health benefits costs up to 5%.
Early Results
Here are a few highlight statistics, but read the rest of the article for the whole story:

55% of those who calculated the effects attributed&#8230;]]></description>
		<wfw:commentRss>http://www.andreini.com/blog/2012/03/15/early-statistics-show-health-care-reform-costs-more-but-startups-aim-to-influence-long-term-effects/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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