Workers Compensation Premium Audits

A Fireside Chat with A Claims Adjuster

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Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred.     Please…

New York State's Updated Sick Leave Law

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New York State’s Paid Sick Leave policies were introduced on April 3, 2020, and went into effect on Sept. 30, 2020. On January 1, 2021, employees may start using their accrued leave.  The number of sick leave hours required is based on…
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How Workers' Compensation Class Code #8873 "Telecommuter Reassigned Employees" Can Help You Save Money On Your Insurance Premium

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The New York Workers’ Compensation Insurance Rating Board (NYCIRB) has released a new class code for ‘Telecommuter Reassigned Employees’. If you are a business owner you might be wondering how do I adjust my workers' compensation rates…
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Who Is Exempt From Workers Compensation Coverage?

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The New York workers' compensation insurance law requires the majority of employers to have appropriate workers comp insurance coverage in place. However, there are three key exemptions. Sole Ownership If you run your business alone and don’t…
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What A High Experience Mod Means and How It Can Affect You

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You've just seen your Experience Modification Rating (EMR) and it is high again. Or your worst-case scenario, it has gone up again. Year over year, you've spent time shopping for your insurance due to your high EMR. It is time to stop shopping…
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How to Acquire the Best Contractors Using an Approval Plan

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When deciding on acquiring a contractor for a job, it is almost never a smooth, easy process. A contractor or specialized worker is sometimes necessary last minute. For that reason, it's helpful to develop a plan for screening contractors and…
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Commercial Insurance 101: An Introduction to Insurance

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Commercial Insurance is one of those things that every company has but not every company understands. In some cases, a person is chosen to be put in charge of the insurance buying process and this person is usually an HR person who has a very…
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Questions On The Guarantee Insurance Company Liquidation?

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 Do you have questions on the Guarantee Insurance Company Liquidation? On November 27, 2017, Guarantee Insurance Company ordered into liquidation by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial…

Should You Excercise The Executive Officer Exclusion On Workers Comp Insurance

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With insurance mistakes can be hidden for years until a claim arises. Then the error becomes obvious and expensive. One error we see often is when single owner or dual owned businesses voluntarily elect to trigger the executive officer exclusion…