Tom Bone, Author at Insurance Thought Leadership



Tom Bone

Tom Bone

With more than 30 years of experience as an adviser, Tom Bone helps employers address the risks and threats to organizations and to the personal assets of their decision makers.

As a licensed broker for all types of insurance that an organization and its staff may require in a complex world, Tom also has specialized training in workers’ compensation. He holds the designation of Professional WorkComp Advisor and One Responsible Source Advisor, confirming Tom’s ability to properly analyze and coordinate all insurance programs that a well-run organization would need.

Prior to joining ISU Insurance Services as an adviser and stockholder, Tom had his own successful insurance practice for more than 29 years.

With Tom’s keen understanding of owners’ and managers’ responsibilities, he is an advocate for transparency and openly shares his knowledge and experience to help employers avoid the daily known and unknown issues facing decision makers.

Tom strongly believes that before recommendations can be made to control risks and threats, an assessment must be conducted of the organization’s operations, as well as a review of their current insurance programs. With an overall review and analysis by an insurance professional, a clear and accurate picture of how the risks and threats are being managed, and by whom, can be clearly assessed – only then can practical solutions be provided to manage risks and threats.

Tom’s openness is further expressed during seminars he has held for employers to help them gain a better understanding of how much and what kind of insurance an employer should consider.  His weekly radio show continues to be an extension of his belief that employers need to know what they don’t know, so they can avoid events that can hurt their personal assets and the organizations they manage.  As host, Tom interviews guests on current topics and disseminates solutions to employers to make their jobs easier. 

Tom continues his involvement in the Sacramento Metro Chamber of Commerce and is a board member of the Sacramento Employers Advisory Council.

You can read Tom’s blog for timely information and to listen to podcasts of his show, titled “Insurance Matters.”

Recent Articles by Tom Bone

Should You Allow Bowser in the Office?

More employers than ever are allowing dogs into the workplace. Big companies like Google and Amazon allow employees to bring their dogs to work – as do 8% of American workplaces, according to a 2015 Society for Human Resource Management survey. Because this decision brings risk into the workplace, it’s a good time to revisit […]

Are You About to Hire Your Next Workers’ Comp Claim?

In many workers’ compensation claims’ situations, we learn that the employer has made a bad hiring decision and not matched the right employee to the right job. Of course, once the injury occurs, it is too late to change the decision. Strictly from a monetary prospective, once you take on an employee you are presenting him a debit […]

Why Workers’ Comp Claims Stay So High

In meetings with employers who have a history of high workers’ compensation claims costs and related expenses, we hear a common story: “The insurance adviser does not to take an active role on the problem. The adviser provides little or no supervision of the claims process. Nor are the true costs of each claim incident evident to the […]

Why A Homeowner Should Know About Complying With Workers' Compensation Laws

Workers' compensation laws protect people who are injured on the job. They are designed to make sure that employees who are injured or disabled on the job are provided with fixed monetary awards, removing the need for litigation. The California Labor Code essentially tells us that anyone working for a homeowner will be an employee […]

Does a Safe Workplace Create Large Profits?

Or do high profits create the opportunity for a safe workplace? The success of Paul O'Neill as CEO of Alcoa Corporation has resurfaced in the book, The Power of Habit: Why We Do What We Do in Life and Business, by Charles Duhiggs. Prior to becoming US Treasury Secretary in the Bush Administration, O'Neill took […]

The Changing Insurance Marketplace And How It Can Affect How Employers Manage Costs

Workers' compensation insurance, like other employee benefits programs, continue to be a major expense to most employers. Decision makers are always looking for ways to better manage their cost, but sometimes the containment can be out of their influence. For many years, employers enjoyed lower workers' comp rates as a result of reforms signed by […]

How to Have Real Influence Over Your Workers' Comp Costs

If employers could have influence over their cost of workers’ compensation insurance, wouldn’t they want to know how? If insurance agents would help their employer clients lower their costs, wouldn’t that be a valuable service? Most employers consider the renewal date of their workers’ comp policy to be the most important annual date for their […]

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  • Claims Management
  • Enterprise Risk Management
  • Leadership
  • Workers Compensation
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