Subcontractors aren’t just another line item; they can quietly and significantly reshape your clients’ Workers’ Compensation exposure. When overlooked, their impact can escalate costs and complicate risk...

Whether it's a construction firm, restoration contractor, disaster recovery service, or another business pivoting to support fire-affected areas, it’s important to understand how a shift in operations can...

An experience modification (E-Mod) is a direct reflection of an insured's safety performance and claims history.Understanding its impact is fundamental in helping to guide clients towards smarter risk...

Before diving in to the assigned risk pool, consider the top five pitfalls. For complicated hard-to-place Workers' Compensation accounts with limited options, avoiding the assigned risk pool is an...

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...

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...

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...

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...

Payroll reporting can be a great option for any business with fluctuating payroll, and for seasonal businesses that generate varying amounts of payroll during particular times of the year. Common...