Author Archives: Mitchell Sharp

Daycare Center

Insurance coverage for a Daycare Center can be expensive Workers compensation rates tend to vary considerably by industry, state, and insurance company. This can make it difficult for employers to know if they are getting a good deal when purchasing … Continue reading

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Trim Carpenters

There are many different aspects of the construction industry. Some businesses are generalists and focus primarily on new home construction. Other businesses focus primarily on remodeling of existing structures. Still other businesses focus on a specific niche within the construction … Continue reading

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Washington Workers Compensation Insurance Rates 2019

Washington Workers Compensation Insurance Rates 2019 There is good news making waves throughout the state of Washington in 2019. The good news is the business community is paying less for workers compensation insurance this year. On average, businesses are paying … Continue reading

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Accounting Firms

Accountants, CPA’s, Bookkeepers, Auditing, Tax Preparing Services, and Payroll Services  Businesses in the accounting industry have very unique risks that only businesses in this industry face. These businesses face enormous risk when it comes to dealing with people and businesses sensitive financial … Continue reading

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Missouri Experiencing Continued Declining Workers Comp Rates in 2019

2019 Marks the 5th consecutive year of declining workers compensation rates in the state of Missouri This past December, the Missouri Department of Insurance recommended a 3.5 percent decrease for workers compensation insurance loss costs in 2019. This is a … Continue reading

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NCCI Class Code 9014

Janitorial Services Companies fall in Class Code 9014 for purposes of Workers Compensation Insurance.  NCCI Class Code 9014 has many different types of operations that are included within the code. The predominant business for this class code is commercial janitorial … Continue reading

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5 Businesses Who Might Benefit From a Ghost Insurance Policy

A Ghost Policy Can Satisfy Insurance Requirements for a One-Person Business at a Substantial Savings Workers Compensation Insurance is required by law for most businesses in most states. When a business operates as a sole proprietor, one-person LLC, a partnership, or … Continue reading

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Workers Compensation Rates in New York for 2019

Rates for workers compensation insurance have historically been high. According to the 2018 Oregon Workers’ Compensation Premium Rate Ranking Summary, rates for in the state of New York are the most expensive in the country. These rates average 188 percent more than the national average. … Continue reading

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West Virginia is Experiencing Declining Workers Compensation Rates in 2019

West Virginia Workers Compensation Rates 2019 will decline by 10.3% In 2019, West Virginia Workers Compensation Insurance Rates are going to be declining by a significant amount. On average, the business community will be paying 10.3 percent less for workers … Continue reading

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Who Might Need a Ghost Policy?

A Workers Compensation Ghost Policy is a very specific type of insurance policy designed for a business owner to be excluded from coverage when there are no additional employees at the business. This type of policy is designed to meet legal … Continue reading

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