Industries that benefit from Pay as You Go Workers Comp

Posted on February 12, 2018 by Mitchell Sharp

4 Industries that Benefit from Pay as You Go Workers Comp

Pay as You Go Workers Comp is designed to allow businesses pay their workers compensation insurance premium in real-time based upon the previous months payroll. This is a great way for many small businesses to free up cash because in a traditional work comp policy the business is required to make a large lump-sum payment just to get coverage in place. This payment is typically one third of the total premium for the year. This amount is estimated based upon the previous years payroll. If you are in an industry that is seasonal or dependent upon the weather, your payroll can be dramatically different from year to year. This can cause your business to be audited both mid-term and at the end of your insurance cycle. This audit takes time away from the day to day operations of your business and it can cause you to severely over or under pay your premium throughout the year. A Pay as You Go Workers Comp Policy can help your business prevent many of these issues by more accurately paying your premium in real time.  Here are 4 types of businesses that can benefit from the Pay as You Go Option.

Pay as You Go Workers Comp can help your business in many ways.

Start-ups

If you are a start-up that does not have historical payroll records, it can be difficult to anticipate what exactly your yearly payroll will be. Payroll will be dependent upon how many clients you acquire in your first year and how much revenue those customers generate. If you under estimate the amount of hours your workforce will be working, it can result in you having to make a substantial payment either when you get audited mid-term or at the end of term audit. Depending upon the size of your staff this different can be substantial and it may come at a time when you need that cash-flow for other more pressing needs. For this reason, it may be wise for a start-up to use the Pay as You Go Option until they get a few years of historical payroll records to estimate off of.

Commercial Cleaning

In the commercial cleaning industry, it is difficult for many business owners to anticipate payroll 12 months ahead of time. This is especially true if your business cleans retail establishments. These establishments have much more traffic at certain times of the year like Memorial Day, Thanksgiving, and Christmas. You can anticipate this somewhat, but depending upon the health of the economy, consumer confidence, and the amount of discretionary money people have to spend; this traffic may be dramatically different from year to year. This can cause your man hours to fluctuate up or down based upon many factors that are out of your control. This may make the Pay as Your Go Workers Comp Option ideal for a commercial cleaning business.

Bed and Breakfast

The bed and breakfast industry has a tendency to be seasonal. A lot of the seasonality deals with the weather in the area where the bed and breakfast is located. The Summer tends to be busy because of that fact children are not in school and a majority of families plan their vacations around this time of year. If the location is near a resort town that depends upon something like the fall colors or a ski resort, the busy time may be during that time of the year. The Pay as You Go Workers Comp Option may be ideal if your bed and breakfast is located in one of these areas.

Retail Stores

Most retail establishments are heavily dependent upon the state of the economy and how much discretionary income people have in their pockets. Now if you are a grocery store or an auto parts store, this may not be as true for your business; but most businesses depend upon people having extra money to spend. This can cause the amount of payroll you can invest in your workforce fluctuate significantly from year to year. If this is true of your retail location, Pay as You Go Workers Comp may be the best option for your business to free up cash for other business needs.

Pay as You Go Workers Comp

 

 

 

 

 

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4 Benefits of Pay as You Go Workers Comp

Posted on February 6, 2018 by Mitchell Sharp

Small business owners in today’s business environment have a lot to think about. Finding and keeping employees is crucial to the success of your business long term. Acquiring good clients is equally important to generating enough revenue to keep the doors open. Purchasing the right amount of materials to keep your orders fulfilled, but not having cash tied up in unnecessary inventory can be crucial as well. All of these tend to eat up cash-flow. This is why some insurance carriers have developed a method of paying workers compensation premium that ties up less of your revenue. This payment option is called Pay as You Go Workers Compensation. This option allows you to pay your premium each month based upon the previous months payroll. This allows businesses to free up cash for more immediate business purposes.  Here are four ways Pay as You Go Workers Comp can benefit your business.

Pay as You Go Workers Compensation can help businesses free up cash.

Pay as You Go Improves Cash Flow

Most traditional Workers Comp Policies require a significant part of the premium up front just to establish coverage. This payment is typically 25-30 percent of the entire premium. This payment is estimated off of the payroll from the previous year or from the three previous years. After this initial payment the business must pay the additional premium in nine monthly payments. With the Pay as You Go Option most businesses, depending on revenue, can get policies in place for only a few hundred dollars. This allows the business to free up cash for more immediate business needs.

Increases Payment Accuracy

Pay as You Go Billing allows businesses to accurately pay what they owe each month based on real time payroll amounts. In a traditional work comp policy the payroll amounts are an estimate and during an audit at the end of the period they either are offered a refund for overpaying or they are charged for the additional amount of premium owed. Pay as You Go lessens this burden by allowing companies to pay a more accurate amount each month in real time.

Simplifies the Auditing Process

Because the amount of premium is paid in real time based on the payroll each month there are less inaccuracies during the auditing process. Typically the biggest problem during the auditing process stems from the business being improperly classified. This can cause a dramatic over or under payment if the business is supposed to be in a classification code that is dramatically more or less dangerous. A good example of this is related to driving risks. If a company has employees drive to many different locations to do a job as opposed to do a similar job at only one location without the employees operating a vehicle those are two class codes that are dramatically different risks and premium is dramatically different for those two businesses.

Allows the Business to Budget more effectively

Because the insurance premiums are paid in real-time based upon the previous months payroll, it allows businesses to more accurately budget other business needs. This is because payrolls fluctuate from year to year and with a traditional workers comp policy the premium is an estimate based upon the previous years payroll over the course of the entire year. Many businesses have payrolls that fluctuate from year to year and even month to month based upon a lot of factors. If your business is one of these, the pay as you go option may be ideal for your business to get your budgeting as accurate as possible.

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What is Pay as You Go Workers Compensation?

Posted on February 2, 2018 by Mitchell Sharp

Pay as You Go Workers Comp is a type of insurance policy that allows a business to pay their insurance premium monthly based upon payroll as opposed to an estimated lump sum. This lump sum is usually based on last year or the past three years payroll and it is usually for 25 percent of the total amount. For many businesses, this is an excessive amount compared to the cash they have on hand. If this is true for your business, the Pay as You Go Option may be ideal for your business.

 

Pay as You Go Workers Comp

There are three main ways in which Pay as You Go Workers’ Compensation can benefit you as an employer:

  1. Allows you to pay premium monthly instead of in one large payment.
  2. Allows you to free up cash for more immediate business needs.
  3. Allows you to prevent most mid-term audits.

Monthly Payments

Pay as You Go Workers’ Compensation benefits you as a business owner by allowing you to pay your workers comp insurance premium monthly based on the payroll each month. This eliminates the need to tie up necessary cash in a large payment at the start of the term, just to get coverage in place. For many business owners, this means they can get coverage in place for as little as a few hundred dollars. This allows business owners to use that additional cash on inventory or any other more urgent business need.

 

Free Up Cash

Another benefit of Pay as You Go is that it frees up cash flow for more immediate business needs.  Because you do not have to pay the large lump sum payment on the front-end you can instead use that cash to reinvest in your business or give an employee a raise.  With a traditional Workers Comp Policy typically twenty five percent of the premium is due just to get coverage in place. The rest is usually paid in nine monthly payments. If you are a business with a small payroll or operate in a favorable class code, this may not be a big deal. If you operate in a high risk industry or you have a large payroll, this twenty=five percent down payment can be significant.

Prevent Audits

The third and possibly most important benefit of Pay as You Go Workers’ Compensation Coverage is that it prevents mid-term audits from happening more frequently. This is because your payment is in real-time based on the previous months payroll instead of an estimate of last years payroll. If you are in an industry that is dependent upon the weather, your payroll can be drastically different from year to year.  Pay as You Go Workers Comp provides your business with less risk of over or underpaying premium.

 

Pay as You Go Workers Compensation Insurance

 

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Roof Snow Removal

Posted on January 30, 2018 by Mitchell Sharp

This time of year, depending upon where you live, snow and ice begin to pile up everywhere. This includes piling up on the roof of your home or business. Because of this fact, you may need to determine what type of roof snow removal is appropriate for your property.  You may be able to do this yourself, but depending on the amount of snow and the type of roof you have you may need to hire a trained professional.

Small building in desperate need of snow removal.

The amount of snow and ice your roof can support will depend on a number of factors, including the roof type as well as the age and condition of the structure. A good rule to keep in mind is if there is more than a foot of snow and your roof; especially if the snow is heavy, wet, or icy, you should have it removed.Here are a few tips to help you properly execute your roof snow removal plan.

Use the proper equipment

There are specific Roof Rakes designed for when snow accumulates excessively roofs and removal may be a challenge. Roof rakes help clear out the snow off your property and prevent ice dams from creating.

Work from the edge towards the center of your house

If you work from the edges of your house towards the center it will cause any excess snow to fall towards the outskirts of your house and on to the ground. On the contrary, if your work from the center out it can cause additional snow to fall towards the center of your house and cause the roof to collapse.

Only remove 2-3 inches at a time  

In addition to working from the exterior to the middle it is also important to only remove 2 or 3 inches on the roof at a time.  This is instead of scraping the roof clean, which will risk damage to your shingles or other roof covering.

Winter mountain landscape with a building in need of snow removal.

Be careful of metal roofs

A metal roof can conduct electricity and depending upon the conditions from the Winter Weather Storm there may be a power source connected to your roof. Approach snow removal careful or hire a trained professional.

For Flat Roofs

If your flat roof is easily accessible from the inside, it may be easier to shovel a portion of the roof from the interior.

For Sloped Roofs

Roof rakes are likely to be beneficial to remove the snow and ice from your sloped roof.  A rake with a long-handled tool design is ideal.  You should be able to stand on the ground and pull a majority of the snow off the eaves.  If you cannot safely reach the roof you more than likely need  to contact a homebuilder, landscaping professional, or property maintenance company to remove the snow and ice for you.

 

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Landscaping Businesses turn to Snow Removal in Winter

Posted on January 26, 2018 by Mitchell Sharp

Landscaping businesses make up a huge part of our economy.  According to a July 2016 IBIS World Market Report, the landscape services industry had an annual revenue of $78 billion. This same report showed that the industry employs just under a million people and represents just under half a million small businesses. For a majority of the country, this industry is very dormant for at least 4 months out of the year. In an effort to continue to make income and keep good employs around, many businesses turn to Snow Removal during the colder months of the year. Here are several insurance policies that can help those businesses protect themselves and their employees.

Landscaping and snow removal are big business throughout a majority of the United States.

The risks associated with a snow removal business is very different than the risks a traditional landscaping company faces.  Cold weather and different equipment make the risks associated with snow removal high for your business.  Because of these risks, it is extremely important to speak with your insurance agent about exactly what it is that your business does and does not partake in on a daily basis. Partnering with the right independent insurance agent can help you determine if it is worth the risk to offer snow removal and if you do how to best protect your investment.

Snow Removal Operations are risky business for your employees.

Here are 5 insurance policies that are essential to protect your business if you are working in the snow removal industry.

General Liability

General liability insurance coverage is a type of insurance policy that covers your business for liability to third parties you come in contact with. Most policies cover bodily injury claims of third parties injured because of the actions of your business, along with property damage that occurs because of the actions of your organization.

Workers’ Compensation

Each state has their own rules and regulations regarding their workers compensation system. Depending upon each states guidelines, you may be exempt from coverage depending upon the industry you operate in or the number of employees you hire.

Depending upon the state you operate in and the number of employees you have, you more than likely are legally required to purchase workers’ compensation coverage. For example, in the state of Georgia coverage is required for nearly all businesses with three or more employees.

Now a workers’ compensation insurance policy is commonly referred to as ‘exclusive remedy’.  This is because when employees are injured, they receive coverage for their medical expenses and some lost wages while they are not able to work. Most policies cover around 60% of the employee’s salary. Employers gain the peace of mind to know that they will not be sued for injuries that occur as a part of normal business operations.

Commercial Auto

If you own or operate vehicles as part of your snow removal business you will need to insure those vehicles properly. If you own the vehicles you need a commercial auto policy and if you lease the vehicles you will need a hired and non owned auto policy.

Inland Marine

A Commercial Auto Policy will cover the truck or other type of vehicle, but it will not cover the trailer or any equipment being transported by the truck. An Inland Marine Insurance Policy will protect all of your specialized equipment while it is in transit on a trailer or in use off premise.

Cartoon of a person digging their car out of the snow.

 

 

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Snow Shoveling Safety Tips

Posted on January 23, 2018 by Mitchell Sharp

As the Winter Weather Season attacks your area. Snow shoveling becomes a necessity for daily life around your house and at your business. Having an smooth safe area to walk can help your family operate and allow your staff and customers to continue using your business. There are some steps that need to be taken in order to ensure you, your family and your staff stay safe when you have to shovel snow this Winter.

Workers in Winter frequently have to shovel snow.

 

The following tips can help keep you safer when you set out to shovel snow this Winter:

  • Warm up your body – Adequately warming up your muscles and joints before heading out to shovel snow can help prevent injuries to many parts of your body.
  • Push with your legs and never with your back –  Pushing the snow away from your body with bent legs will prevent you from attempting to lift too much weight with your back. When lifting snow, bend your knees and use your legs whenever possible.
  • Choose your shovel wisely – Ergonomically-designed shovels can help reduce the amount of bending you have to do and the amount of weight your back has to deal with. Most hardware of home improvement stores have plenty of selection, but don’t wait until the storm is here to go looking for a shovel.
  • Lighten your load –  No matter what type of shovel you do choose, do not be tempted to overload the shovel with too much weight. Take your time and go slow when shoveling your house or business.
  • Pace Yourself –  Pace yourself and be sure to take frequent breaks. Consider taking a break after 20 to 30 minutes of shoveling, especially when the snow is wet.
  • Consider shoveling multiple times –  It is important to shovel as the snow is coming down and after it has stopped. It may be discouraging to shovel snow when you know that more snow is on the way, but the earlier you start attacking the snow the better.
  • Dress Appropriately for the temperatures –  Cold weather is no time for showing how well you deal with the weather. Dress appropriately for the conditions you face. Try to limit the amount of cotton you wear. Always wear a hat gloves and good wool socks.  In cold weather; not layering properly can cause you to get sick, not just to be uncomfortable.
  • Stay hydrated –  Drink plenty of water to stay hydrated while shoveling. Even if you are not perspiring much and do not feel thirsty, it is still important to keep your body properly hydrated.

Children love to play in the snow. For your sake, make that time useful and have them shovel snow at your home or office.

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Winter Driving Tips

Posted on January 16, 2018 by Mitchell Sharp

With the beginning of the year comes temperatures that are below freezing for many parts of the country. So far this Winter, temperatures have been colder than normal for a many areas. With those cold temperatures comes hazardous driving conditions. These hazardous driving conditions can put your family or your employees in extremely dangerous situations. Luckily there are a few strategies that can prevent this from happening and help you deal with an emergency if something were to go wrong while out on the roads. Here are a few tips to keep you, your family and your employees safe this Winter.

Winter Driving Conditions are worst in the months of January and February.

Plan Ahead

Depending upon where you live, Winter Driving Conditions begin anywhere from October through January.  Some Winters may be warmer or colder than others, but this is generally when the temperatures start to dip. Because we are aware of this, it gives us the opportunity to prepare for the season each year. In some areas of the country this may require additional anti-freeze to be placed in to your engine or maybe even new tires to be placed on your vehicle. Partnering with an experienced mechanic with whom you trust can go a long ways towards preparing you, your family and your employees for hazardous conditions.

Go Slow

The only way to drive safely on ice is to drive slowly and give yourself plenty of room to stop. Many drivers do not take this advice and they are the primary obstacle any driver should be looking for when out driving in hazardous conditions.  Most hazardous conditions can be dealt with if you have the proper tires and your car has enough clearance for the conditions you face, but that is only the case if you go slow and stay away from other vehicles.

Create a Winter Safety Kit

When the Winter Temperatures begin to dip, it is a good idea to throw some things in the trunk of your vehicle that can help you deal with being stuck in your vehicle for an extended period. Bottled water is helpful, but you may want to have the water bottles be filled only half to three-quarters of the way full. This is because if they freeze they may not break the container they are contained. Snacks like granola bars can be helpful as is freeze dried food. A small shovel or some cat litter for traction can help you get out of a situation where your vehicle is stuck.

Stay Home

The best way to prevent having to use any of these tips is to stay home. If you do not have to go out in to Winter Conditions, don’t. Now this is not always possible because of the stresses of life, but any way you can limit the amount of time you have to be in a vehicle is always the best way to deal with Hazardous Winter Conditions.

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Generator Safety

Posted on January 5, 2018 by Mitchell Sharp

Tips to give your employees about Generator Safety  

When the temperatures dip below freezing and the snow or ice start to come down, there is an increased risk of losing power at your home or business. If you, your family, or your employees are forced to spend extensive time at a location due to loss of power, it may be wise to have a generator ready to keep the facility operating.  With these alternative power sources come unique risks that you and your employees need to be prepared for.  Generators can be dangerous if not used properly. This danger brings a need for your employees to be exposed to generator safety. Improper usage can lead to illness and injury, and in extreme cases even death. When Winter Weather causes your family or business to deal with alternative power methods, make sure to keep everyone involved safe with these generator safety tips.

Generator safety is important for small businesses dealing with power outages because of a Winter Storms.

 

Owners Manual

The first and most important thing to do when you purchase and when you are about to use a back-up generator is to read the manufacturer’s safety and operating manual before using the generator. If you have forgotten how to use the generator reading the manual can refresh you on how to properly use the equipment and there should be a customer service number for the company if you have additional trouble operating the machine.

Installation

Have the generator installed by a professional and inspected by an electrician periodically. If you have someone on staff who is qualified to do this it can help, but it is wise to still seek the opinion of an outside party.  The electricity created by generators has some of the
same hazards as normal electricity, but many times they include additional hazards. One major hazard is that generator users often bypass the safety devices like a circuit breaker.  Circuit breakers are built into electrical systems and many times not included in a generator. The only way to ensure your generator is safe is with the advice of a professional.

Make sure the generator is Properly Grounded

It is crucially important for you to make sure the generator system has proper grounding and bonding of all electrical components and transfer switches. This can help minimize the possibility of uncommon current flow, which is common during a power outage. The importance of properly grounding and bonding circuits cannot be overstated. This is because standby power systems such as circuit breakers
can easily trip, generators can drop offline, and important emergency or life safety loads can be lost due to hidden grounding problem. These problems could easily occur
during a utility power outage.

Never Leave the Generator unattended

Also, you should never leave your generator running when you are away from your home or business. This should be a part of your safety program and all employees should be aware of it. It is probably a good idea to have a few people who are in charge of the generator. If you are away from the business on the day the generator is needed it is important to know someone is at the property who can use the generator and can use it wisely.

Be careful when touching the Generator

It is equally important to use caution any time you have to touch the generator.  Many areas of the equipment may become too hot to touch.  This temperature can continue for several hours after the generator has been in use. Taking extra precaustions can prevent you and your employees from suffering a burn.

Consider hearing protection

If you have employees who are doing their job near the generator, it is wise to require them to wear hearing protection if the generator is loud of enough to cause hearing problems. This should be a decision of management and not of the employee. When developing a safety manual, it is wise to include these things in it and make sure all employees are aware of the hazard.

 

For more generator safety tips watch this video from our partners at Travelers Insurance.

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Keep Your Employees Safe in Winter

Posted on January 2, 2018 by Mitchell Sharp

Tips to keep your employees safe when the Temperatures dip during the Winter Months.  

During the Winter Months, many businesses tend to have additional workers compensation claims as a result of their employees being exposed to extreme weather conditions.  Preparing for this situations does not have to be very time-consuming or costly for your business here are seven tips you can use to better prepare your staff for dealing with the Winter Weather in your area.

Winter Weather in the city.

Train for the conditions

If you live in a cold climate, you may assume your employees know how to deal with the conditions they face in their job.  In order to prevent a sickness or injury, take additional time to properly prepare your employees for the rigors of the winter weather.

Equip your employees properly 

It is worth the investment to buy your employees proper clothing. A proper jacket may cost $100 but the average trip to the emergency room is more than $1,200. This is a cost that can severely impact your experience modification rating. This rating is the main way underwriters determine what to charge a business for insurance coverage.

Gradually introduce workers into cold environments

Gradually introducing employees to the cold is important both throughout the day and throughout the year. For new employees it is best to keep them out in the elements for half a day until you can determine how well they deal with the elements. Even for experienced employees it is important to ease them in to heavy duty in extreme temperatures. At the beginning of the Winter Season it may be a good idea to keep employees out of the cold as much as possible for parts of the day.

Work in pairs

Even the most seasoned Winter Weather Worker may need help from time to time. Working in pairs is the best way to keep an additional set of eyes on your staff to ensure they are all safe at all times.

Supervisors monitor workers 

It is the role of the supervisor to keep the employees healthy and productive. Healthy is the most important part of this job, because if the employees are not healthy they cannot be productive. Having your supervisors periodically check in on all employees is essential to keeping the staff operating throughout the entire Winter Working Season.

Schedule breaks in warm areas

No matter what an employee tells you, they need to take breaks when dealing with Extreme Winter Weather Conditions.  Have a strict schedule for when they take their breaks is a must. Making sure there is a place for the employees to get out of the cold is important and it is equally important to make sure the employees take advantage of this area.

Encourage Adequate Hygiene

Winter is the time of year when people are at risk of getting sick. Making sure your employees are using proper hygiene procedures can ensure they do not get sick, and if someone does get sick proper hygiene can prevent other staff members from getting sick as well.

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Walsh Test

Posted on December 15, 2017 by Mitchell Sharp

What is the W.A.L.S.H. Test and why does it matter?

The W.A.L.S.H. Test is an acronym used in the insurance industry to determine jurisdiction between states for a Workers Compensation Claim when more than one state is involved in the incident. This is necessary most frequently when businesses have employees who operate in multiple states. The W.A.L.S.H. Test applies whenever an injury occurs to an employee in a state away from a company’s headquarters, and it is a way for the courts to determine how workers’ compensation coverage will apply.

The W.A.L.S.H. Test acronym stands for:

  • Worked
  • Accident
  • Lived
  • Salaried
  • Hired

The importance of each part of the jurisdiction depends on the position of the term in the acronym W.A.L.S.H. Worked carries the more relevance than Accident.  Hired has the least importance when considering jurisdiction. The higher on the list the higher the relevance in relation to jurisdiction.

Trucking companies may be impacted by the W.A.L.S.H. Test when their employees are involved in an accident out of state.

This comes in to play when a city, like St. Louis MO for example, has businesses frequently operating in more than one state. More complicated instances occur with trucking companies or in the airline industry where employees may operate in many states. One hypothetical example might be where a truck driver lives in Illinois. The truck driver gets hired by ABC Logistics Company just across the border in Missouri. XYZ Trucking Company is headquartered in Colorado, which is where the truck driver is salaried. The truck driver gets in to a wreck in Delaware.

  • Worked –           Many states
  • Accident –          Delaware
  • Lived –                Illinois
  • Salaried –           Coloraso
  • Hired –               Missouri

In this example Delaware would more than likely have jurisdiction. This is because the truck driver works in many states, so W would not matter. Where the Accident took place is next on the Walsh Test and that was in Delaware. The fact that the truck driver Lived in Illinois has less relevance to an accident that occurs in Delaware.  Also, the fact that the employee was Salaried in Colorado does not have much impact on an accident taking place in Delaware. Neither does the fact that the employee was Hired in Missouri.

Salaried and Hired mean the least to jurisdiction because they have the least to do with the accident itself. The fact that a truck driver is Salaried in Colorado and was Hired in Missouri does not have much to do with a car Accident that results in a workers’ compensation claim in Delaware.

Where the employee Worked and where the Accident took place have the highest relevance because this is the most relevant to the accident that occurred and the business that is involved in the liability of the injured employee.

The one situation where the W.A.L.S.H. does not take effect is in monopolistic states. These states are North Dakota, Ohio, Washington and Wyoming. These monopolistic states require an employer to obtain work comp insurance from a compulsory state fund or qualify as a self-insurer.  This is a prime example of why it is very important to let your agent know everything your employees do, especially where they are operating. This information can allow your agent to provide the correct coverage to protect your business when an occurrence takes place in one of these monopolistic states.

The W.A.L.S.H. Test is a tool judges use to determine jurisdiction in Workers’ Compensation Claims.  It is relevant to businesses who operate in multiple states. Everything related to your business and your employees can be the difference between your company being liable for a Workers Compensation Claim — and more importantly to determine if your policy will cover the claim. Taking some additional time to talk long and honestly with your agent about where and how you do business.  It is equally important to make sure your business has a state listed in section 3A of your workers compensation policy, if you have an employee that has the potential to be injured in another state.

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