When Workers' Comp is not a fit, Occupational Accident can be a great cost-effective policy option for transportation and other types of risks, as it provides both independent contractors and business...

MARKET OVERVIEW

The 2023 property and casualty insurance market including personal lines continues to face significant challenges. Pricing appears to have moderated, becoming more predictable following a multi-year...

A short-term lapse in workers' compensation coverage can trigger long-term consequences. When insureds expose their employees to uncovered injuries, they expose themselves financial penalties, litigation...

MARKET OVERVIEW

Since deductibles are essentially a form of risk sharing, it is important to understand a client's risk tolerance. Workers' Compensation deductible plans offer benefits to both insureds and carriers, but...

MARKET OVERVIEW

According to the Bureau of Transportation Statistics, trucks move approximately 72% of the nation’s freight by tonnage and transportation makes up about 7.4% of the nation’s economy. Generating nearly...

A business’s experience modification factor (E-Mod) directly impacts the premium they are charged for their workers’ compensation coverage. Insureds often inquire about this important rating factor when...