Category Archives: National Workers Compensation

National workers compensation insurance news and information.

Workers Compensation Vocabulary

Useful vocabulary for injured workers dealing with the Workers Compensation System   Alternative Work In some instances, the treating physician may report that an injured worker will more than likely not be able to return to normal permanent work. When … Continue reading

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June is National Safety Month

What are you doing to keep your Small Business safe during National Safety Month? June is National Safety Month. According to the National Safety Council, ‘National Safety Month focuses on reducing leading causes of injury and death at work, on the … Continue reading

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5 ways to save when purchasing Workers Compensation Insurance

  Partner with an Independent Agent It is always best to partner with an independent insurance agent when purchasing commercial insurance coverage. Especially when you are looking for ways to save on premium. An independent agent can save you an … Continue reading

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What is an Experience Modification Rate and How Does it Effect My Business

Your Experience Modification Factor (also known as the Experience Modification Rate)  will only apply to your workers’ compensation policy. Your Experience Mod (X-mod) compares your workers’ compensation claims experience to other employers of similar size operating in the same type … Continue reading

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Where to Begin When Writing a Safety Program

A formal safety program is a set of written documents that describe a company’s safety policies, priorities, and responsibilities.  The program is designed to bring structure and consistency into a company’s accident prevention efforts.  Without a written document, your safety … Continue reading

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Workers Compensation Hardening Market and Quoting Options

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I Saw That Injury Coming

As an insurance agent I am trained to think of the worst case scenario and plan for it. The insurance business is no question a numbers game which comes down to doing everything you can to prevent accidents from happening in … Continue reading

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Workers Compensation Audits

Each year, business owners have to take valuable time from their busy schedules to complete and possibly meet with a workers compensation auditor to complete and wrap up the prior years workers compensation policy with regard to estimated payroll per class codes … Continue reading

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Workers Comp- Gettting the Biggest Bang for Your Buck

This is a term that everyone is familiar with. Shopping for a superior product or service for the lowest and most affordable price. Unless you are shopping for a very specific brand or item, we are always looking for the … Continue reading

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2014 Workers Compensation Market Outlook

It was predicted that 2013 would be a challenging year in the workers compensation marketplace and that certainly proved to be the case.  In 2014, I would expect the challenging conditions highlighted by the current trend of a tightening work … Continue reading

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