Can Combining Entities Lower Your Workers Compensation Experience Modification Factor?

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Just to review your workers compensation insurance experience modification factor is an enormously important business statistic for your company. Not only does this "factor" substantially increase or decrease your companies workers compensation…

What Are Workers Compensation Insurance Loss Cost & How Do They Impact Your Insurance Premium

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I get this question a lot, "What are workers' compensation insurance loss costs and how do they affect my business?" The first response from my slack jaw is really, you want to know about this stuff? Of course, the smart C.F.O.'s, Executive…

"Many Business Owners Unaware of the Personal Liability Exposure Relating to Workers Compensation Insurance"

"Many Business Owners Unaware of the Personal Liability Exposure Relating to Workers Compensation Insurance" If you have employees who work on or near "navigable waters" as defined by the Long Shoreman's Act, failure to secure the proper Longshoreman's…