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...

A Waiver of Subrogation is often required by contract. Although it may be tempting to “check the box” because it is required by the insured’s general contractor or it expires on their current policy, it...