Add Row
Add Element
cropper
update
Tree Guardian News
update
Your Trusted Source for Landscaping and Arboriculture Insights
Add Element
  • Home
  • Categories
    • Storm Shield
    • Roots & Routes
    • Disease Detective
    • Insurance Intel
    • DIY Arborist
    • Futureproof Foliage
    • Pro-Partner Spotlight
    • Arborist Stories
    • Tree Care Blog
    • Tree Guardian News Blog
SUBSCRIBE TO NEWSLETTER 
  • update
  • update
  • update
  • update
  • update
  • update
  • update
April 21.2025
2 Minutes Read

Understanding the $2M Workers’ Comp Scheme: What Homeowners Should Know

Futuristic city skyline with Insurance Journal text.

The Dangerous Cost of Payroll Underreporting

A recent case has surfaced in Los Angeles, where a couple, John Nemandoust and Annette Assil, has been sentenced for engaging in a fraudulent workers’ compensation scheme. The couple underreported over $21 million in employee payroll, which led to severe consequences for their three delivery companies: A-1 Valley Services, Prompt Delivery, and Affordable Messenger.

The Legal Consequences of Fraud

In a striking judgment, the couple received jail sentences—Nemandoust for 60 days and Assil for 30 days. Alongside incarceration, they were sentenced to 10 years of felony probation and ordered to pay $2.2 million in restitution. Using their companies as fronts, they managed to evade a staggering $3 million in workers' comp premiums by filing insurance claims under a policy that only covered select employees.

Why This Case Matters to Homeowners

For homeowners, this case raises critical awareness about the importance of hiring reliable service providers. The underreporting of payroll not only impacts employee rights and safety but could also affect homeowners who employ these services. If a hired worker is injured within your home, and they come from a company that’s cutting corners on workers’ compensation, you could find yourself facing a heap of legal and financial troubles.

Taking Action for Fair Practices

As a homeowner, it's essential to perform due diligence when selecting contractors or delivery services. Ensure that they are properly insured and that they adhere to labor laws. By supporting companies that comply with regulations, you contribute to safer working conditions for employees and reduce risks for yourself.

Conclusion

The case against Nemandoust and Assil serves as a cautionary tale about the dangers of workplace fraud and the comprehensive network of consequences that arise from it. By prioritizing transparency and accountability in business practices, homeowners can play a vital role in fostering a fair marketplace.

Insurance Intel

0 Views

0 Comments

Write A Comment

*
*
Related Posts All Posts
05.15.2025

California's Workers’ Compensation Combined Ratio Hits Record High – What Homeowners Need to Know

Update California's Workers' Compensation Crisis SurfacesThe latest report from the Workers' Compensation Insurance Rating Bureau of California reveals an unsettling trend for the state's labor market, signaling a mounting crisis in workers' compensation. With the combined ratio soaring to 123% in 2024, the highest level seen in 14 years, concerns are rising among homeowners and employers alike. The ramifications of this increase could significantly affect insurance premiums, workplace safety, and overall economic stability.Understanding the Rising Combined RatioThe combined ratio, a crucial metric for insurers that measures the difference between claims and earned premiums, has hovered above 110% for the past four years. This year's ratio, up nine points from 2023, sheds light on escalating medical costs and increasing frequency of indemnity claims. The report outlines that the average costs of handling these claims have risen sharply, causing alarm in a system already under strain.What Homeowners Should KnowFor California homeowners, the implications of a higher combined ratio extend beyond insurance companies. As insurance rates increase due to rising costs, homeowners may find themselves facing steeper premiums for their own policies. Understanding these trends can help homeowners prepare for potential market shifts that may impact their insurance costs and choices.The Bigger Picture: Labor Market ImplicationsWider labor market dynamics are in play here. The report indicates that the increase in claim frequency, particularly concerning cumulative trauma injuries, suggests challenges within the workplace environment itself. Homeowners investing in properties or services related to labor-intensive industries should be aware of how such liabilities may lead to raised operational costs for businesses, inevitably trickling down to consumers.Future Trends to WatchLooking ahead, the WCIRB suggests that the upward trajectory in claim severity and frequency may continue until systemic reforms are more robustly addressed. Homeowners and businesses will need to stay informed about how legislative changes—or the lack thereof—could alter the landscape of workers' compensation and its financial implications. It’s crucial for stakeholders to advocate for improved safety standards and preventive measures to mitigate these rising costs.In conclusion, the rise in California's workers' compensation combined ratio is a multifaceted challenge that affects various sectors. Homeowners should remain vigilant about these developments and consider their potential impact on personal and community safety, economics, and insurance rates.

05.14.2025

California Homeowners Face 17% State Farm Rate Hike: What It Means for You

Update State Farm's Proposed Rate Hike: A Boon or Bane for Consumers? California homeowners are bracing for a significant financial shift as an Administrative Law Judge recommends a 17% rate hike for State Farm, the largest homeowners insurer in the state. The decision is a direct response to the insurer's financial struggles linked to substantial losses sustained during the Los Angeles wildfires. This recommendation still awaits final approval from California Insurance Commissioner Ricardo Lara, amidst rising concerns from both consumer advocates and industry analysts. These interim rate hikes encompass a 15% increase on renter/condo insurance and a staggering 38% increase for rental dwelling policies. Coupled with State Farm's pledge to halt further nonrenewals until the end of 2025, the proposed changes can significantly impact homeowners' financial planning. Especially for those who have recently experienced losses and are awaiting claims, these hikes could add an unbearable strain to their recovery efforts. The Implications of Raising Rates The push to increase insurance rates stems from precarious financial winds swirling around the insurer. S&P Global Ratings just downgraded State Farm’s financial strength rating amid concerns about the company’s capital levels, considered precarious following recent wildfires. Such downgrades often spell turbulent times ahead—not just for insurers, but for policyholders who may see rising costs amid decreasing financial stability of their providers. In response to the proposed rate hikes, the Consumer Watchdog organization has voiced strong opposition, characterizing the approval process as unfair to consumers. They argue that the timing of this rate hike does not align with the essence of voter-approved Proposition 103, which insists that justifications for rate increases come before implementation. What’s Next for Policyholders? As this situation unfolds, homeowners must remain vigilant and proactive. Understanding the reasons behind these proposed hikes is crucial—not just for budgeting, but for ensuring you’re engaging with your insurer on level footing when discussing claims and policy renewals. This also serves as a call to action for consumers to advocate for transparent processes in rate adjustments. The resolution of State Farm's proposed rate hike remains uncertain as it awaits further hearings. Homeowners are urged to stay informed and conscious of how these factors impact their household budgets. Ultimately, navigating the complexities of home insurance in these challenging times requires vigilance and a thorough understanding of one's rights.

05.13.2025

Massachusetts Family's Plane Crash: A Heartbreaking Investigation Reveals Key Details

Update Tragic Plane Crash Claims Massachusetts Family A devastating plane crash in upstate New York claimed the lives of a beloved family from Massachusetts. The tragedy unfolded on April 12 during a trip meant to celebrate a birthday and the Passover holiday in the picturesque Catskills. The victims included Karenna Groff, a former standout MIT soccer player and 2022 NCAA woman of the year, her parents Dr. Michael Groff and Dr. Joy Saini, her brother Jared Groff and his partner Alexia Couyutas Duarte, and her boyfriend, James Santoro. The Fateful Flight The National Transportation Safety Board (NTSB) has released a preliminary report detailing the final moments of the ill-fated flight. After taking off from Westchester County Airport at around 11:30 a.m., the private plane, piloted by Michael Groff, departed early that morning from the Boston area, picking up Karenna and Santoro on the way. The family was hopeful and excited about their celebratory getaway. Communication Breakdown As the plane approached Columbia County Airport, Michael Groff communicated with air traffic control, indicating he had missed the first approach to the runway. Despite receiving new instructions from the controller around noon, the situation quickly deteriorated. At 11:58 a.m., air traffic control warned Groff about the plane's low altitude. Unfortunately, after that, all communication ceased, leading to radar contact being lost soon after. Investigation Insights The Mitsubishi MU-2B-40 aircraft ultimately crashed in a snow-covered area approximately ten miles from its intended destination. While the NTSB has not yet determined the exact cause of the crash, preliminary findings note all significant components were located within a 150-foot debris field. No severe weather advisories were active at the time, although overcast conditions may have impaired visibility, raising questions about the pilot's ability to navigate safely. This heartbreaking incident serves as a powerful reminder of the fragility of life and the importance of safety in air travel. As investigations continue, families and friends of the lost ones mourn their absence.

Add Row
Add Element
cropper
update
Tree Guardian News
cropper
update

Homeowners & Businesses concerned about tree and landscape care, safety issues from storms, old or diseased trees, structural damage risks, and insurance implications.

Tree Guardian News is a subsidiary of RP Design Web Services.

  • update
  • update
  • update
  • update
  • update
  • update
  • update
Add Element

COMPANY

  • Privacy Policy
  • Terms of Use
  • Advertise
  • Contact Us
  • Menu 5
  • Menu 6
Add Element

AVAILABLE FROM 8AM - 5PM

Cheshire,CT

POBox 1189

Add Element

ABOUT US

Tree Guardian News is your go-to media hub for cutting-edge strategies to maintain a safe and vibrant environment. We are committed to protecting your property and family by providing proactive tree hazard prevention and awareness. Our platform  empower communities to safeguard their surroundings and enjoy healthier, more resilient landscapes.

Add Element

© 2025 RP Design Web Services All Rights Reserved. P.O. Box 1189, Cheshire, CT 06410 . Contact Us . Terms of Service . Privacy Policy

{"company":"RP Design Web Services","address":"P.O. Box 1189","city":"Cheshire","state":"CT","zip":"06410","email":"robert@rpdesign.com","tos":"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","privacy":"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"}

Terms of Service

Privacy Policy

Core Modal Title
T
Please Check Your Email
We Will Be Following Up Shortly
*
*
*