Workers comp refers to workers compensation, a part of business finances when a worker claims they were injured during work and would like to be reimbursed for medical treatment and procedures, as well as lost time of work.

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What A High Experience Mod Means and How It Can Affect You

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Your Experience Modification Rate (EMR) is still elevated—perhaps higher than last year. Re-marketing your insurance buys time, not relief. Because EMR adjusts workers’ comp pricing according to loss performance, the only durable fix is…
Workers' Comp

Workers' Comp Audit Risk from 1099 Contractors: NY Residential Property Owners

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For most New York residential owners and operators, independent contractors are just part of doing business. Masonry, roofing, plumbing, unit turns—there’s always another project, another 1099, another COI to track. The problem is that…
EMR Impacts Construction

How a High EMR Impacts Construction: 5 Key Effects

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A high Experience Modification Rate (EMR or Mod) doesn’t just raise your workers’ comp premiums—it can quietly drain profitability across your entire construction business. EMR is a number insurers use to adjust your workers’ comp…
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Mental Health & Workers’ Comp: What Owners Should Do

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The Issue at Hand   Workplace injuries rarely end with stitches and physical therapy. Many events leave psychological trauma that disrupts care and delays return to work. Symptoms include acute stress, anxiety, depression, or…
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Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
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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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COVID-19 on NYS Workers Compensation

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The COVID-19 outbreak has spread all throughout America, but most notably in New York. Considering America’s largest metropolitan hub is New York City, when the disease hit it was bound to be catastrophic. Due to the heavy outbreak in New…
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Work Injuries - Main Types and Causes

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Work injuries are all too common in the workplace. Just this year alone, workplace injuries will cost businesses over $59 billion, and that number continues to increase every year. Among the list of top workplace injuries, the “usual suspects”…
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Heat Injury and Illness in the Workplace

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An Under looked problem Heat injury and illness is a serious work-related danger that affects millions of American workers each year. Not only do heat injuries directly cause injuries/illness, but at times they are the underlying reason for…