Straight forWARD - Volume 2

Erik Finrow


Erik grew up in Eugene, Oregon, attending South Eugene High School. He achieved his degree in Business (minor in English) at Washington State University, where he was also a member of Sigma Chi Fraternity and a competitor on the varsity Ski Race team.
He applied his education to the finance world, starting at investment firm Shearson Lehman. He worked at Smith Barney and Merrill Lynch before Steve Ward wooed him away to begin a new career in the world of insurance, as an Employee Benefits Producer. Sixteen years later, he continues to be of service to our insureds. Five years ago, Erik's commitment to the company made him a fitting choice as the next Ward Insurance President.
When not hard at work, Erik enjoys camping, skiing, golfing, traveling, and spending time with his wife and their three daughters, and friends. As an enthusiastic golfer, and is the MC and title sponsor (through Ward Insurance) of the St. Vincent de Paul annual golf fundraiser. In addition to the St. Vincent fundraiser, Erik devotes time to community organizations such as Relief Nursery and the LCC Harvest Dinner.
Erik enthusiastically anticipates the future of Ward Insurance's growth of services in all aspects, while providing top quality customer service to ensure that Ward Insurance puts its customers interests first.

Industry Insights

2016 OSHA's Most Frequently Cited Standards

What are the annual summary posting requirements?

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within particular industries. The most recent statistics from OSHA reveal the top standards cited in the fiscal year 2016 for the manufacturing industry. This top 10 list comprises establishments engaged in the mechanical, physical, or chemical transformation of materials, substances, or components into new products. Keep Reading


Fire Sprinkler Internal Maintenance

Automatic Fire Sprinkler Systems have become a fairly standard requirement for most heavy industrial buildings.  You may not think of your fire sprinkler system often, but you rely on it to keep you building and its occupant’s safe every day. Individuals that have buildings equipped with Automatic Fire Sprinkler Systems should understand that at no point in time is a Fire Sprinkler System a “Set it and Forget it” type of apparatus. Keep Reading


Why Buy Cyber Liability?

Seventy-one percent of all businesses reported a cyber-attack in 2015. Not only can hacker and rogue employees destroy electronic records, but failure to uphold privacy laws can lead significant fines or penalties. According to IBM® the cost of a breech in the United States including industries can be as high as  $7.3 Million. It is important to know the risks. Keep Reading


Telemedicine Coming to a Phone Near You!

As technology has developed, so has people’s ability to overcome the traditional communication barriers of time and distance. The practice of telemedicine is a step forward in the health care industry to use telecommunication to bridge the gap of time, distance and affordability to reach patients in need of medical attention.

Telemedicine uses technology to facilitate communication between a doctor and patient who are not in the same physical location for the purpose of medical evaluation, diagnosis and treatment. Most health plans cover “virtual office visits” as they do regular office visits, and many even offer a reduced copay for these visits. This approach can be effective for common health concerns such as sinus, ear and eye infections, coughs, colds and flu as well as rash and joint issues.  

Fueled by technological advances and answering the clamor for consumer-convenient care, telemedicine delivers many advantages. Although not the same as sitting in an actual doctor’s office, a telemedicine visit with a doctor can prove beneficial by warding off further illness or disease, stabilizing a condition until a patient is able to reach a hospital or monitoring a patient at home.

Telemedicine is not a complete replacement for face-to-face health care, but it can be a tremendously helpful supplement and even a temporary substitute for traditional medical care. Check with your current health insurance provider to determine what coverage they offer for tele-visits.


Understanding Your Workers' Compensation Experience Modification Factor

A key to understanding your workers’ compensation premium is the Experience Modification factor, also known as your mod or ERM.  Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium.
Key questions to understand about your MOD FACTOR
      -Who Calculates the mod factor?
      -How is the mod calculated?
      -How does the mod affect my premiums?
      -What is the experience rating period?
      -How do your losses compare with my peers?
      -How can your experience mod save you money
Your mod is the best way for you to control your workers compensation costs. Keep Reading


Expanding Our Services to Better Serve You

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Ward Insurance is always on the look out for way to provide quality service. We have expanded our Loss Prevention department services with the help of our newest member, Emily Lubman. She brings her extensive timber products industry experience and expertise in Industrial Hygiene, Environmental Health, and Safety to Ward’s team. Emily is a graduate of West Virginia University with a Master of Public Health, with an emphasis in Occupational and Environmental Health. Emily’s passion for environmental health and safety grew out of her exposure to serious mining injuries and illnesses in her home state, which have been greatly reduced through loss prevention efforts. Ward looks forward to strengthening our services through her knowledge and dedication to improving our clients’ safety and health programs. Keep Reading

Employee Spotlight

Mindi Crawford

Mindi joined the Ward Insurance family in 2006 as a Commercial Account Representative. She got her start in insurance in her hometown of Morgan Hill, California, in 2001. She quickly advanced from her first job in the mail room to become an underwriting assistant, working on policy and endorsement issuance. At Ward Insurance she excels as an account manager, and contributes essential support to our Wood Products team. When Mindi is not hard at work she enjoys cooking, watching movies, and long drives in pursuit of a variety of outdoor activities; usually in company with her husband of 18 years and their daughter. She loves spending quality time with friends and family. 


In The Community

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Disc Golf with Casa

Ward Insurance was proud to sponsor the 2017 Disc Golf Tournament put on by CASA. Over 90 participants played 9 or 18 holes at the Westmoreland course in Eugene. Disc Golfers  competed at two holes for closest to the pin and hole in one winner. As always in Eugene, rain tried to scare off participants but cleared up right as the horn blew to signal the shotgun start of the tournament.

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On Your Mark, Get Set, Run

With the warmer weather among us Ward Insurance Employees hit the pavement to support local causes. 
 • Color Me Rad runners were showered in color on April 1st.  
 • Butte to Butte - Some runners attacked the 10K race that toured through neighborhoods in South Eugene with many onlookers cheering them on as they took on the steep hills. Other runners opted for a less rugged routed 5K. It was a great way to start off 4th of July festivities.

First Spring Lane Blood Center Blood Drive

In addition to the annual Autumn blood drive, employees of Ward Insurance hosted their first annual Spring blood drive. Donors were able to save 24 lives with the collection of 8 units. 

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