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Your Experience Mod Is Your Workers’ Comp Identity

Posted: January 19, 2016

It is a fact that many employers actually overpay for their workers’ compensation premiums.  According to the latest reports, employers are paying around 20% more in surcharges than they need to. Most surcharges come from increases in the experience modification factor (mod). The experience mod is a factor unique to each employer. In simple terms, this formula is designed to compare a specific employer’s historical...

Workers’ Compensation Tips From Top Risk Managers

Posted: August 26, 2015

  Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been tracking these tips over the past year and thought we might share a few of them with you. Trip and fall injuries from Disney – With the millions of people and employees walking around their parks, Disney protects itself by...

Workers’ Compensation Made Simple

Posted: May 21, 2015

Workers’ compensation is required in most states. Workers’ compensation benefits are made available to all employees if they are inured as a result of workplace injury or illness. Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. Independent contractors are not entitled to benefits, unless they have their...

Don't Let Workers Compensation Be A Pain

Posted: October 8, 2014

As a business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans, accidents can happen and Workers’ Compensation Insurance can help. Workers Compensation Insurance should be an important part of your business insurance program. What is Workers’ Compensation? Workers' compensation insurance is a state-mandated insurance that provides lost income, medical benefits, disability benefits, and...