Author Archive

Are Employee Bonuses Included in Your Workers’ Comp Premium? As you plan year-end bonuses and employee gifts, you need to understand how they affect your workers’ compensation premium. The answer isn’t always simple, but the rules are clear once you know what to look for. Your workers’ comp premium is based on your total employee […]

How a Flawed Injury Investigation Can Cost You $50,000 A workers’ compensation claim for a minor back injury ended up costing an employer nearly $80,000. The problem? The injury very likely did not happen at work. A series of missteps during the initial investigation allowed a questionable claim to proceed, resulting in over $50,000 in […]

Take Control of Your Workers’ Comp Costs Before Day One Many business owners believe workers’ compensation costs are an uncontrollable expense. They are wrong. You have significant control over what you pay, and it starts long before an employee’s first day on the job. Let’s look at a common scenario. A Certified WorkComp Advisor worked […]

The Most Important Date for Your Workers’ Comp Premium Most business owners think about their workers’ compensation premium once a year: at renewal. This is a costly mistake. The key to controlling your premium is set in stone six months before your policy renews. The Snapshot That Determines Your Premium Six months after your policy […]

Two Hidden Factors That Extend Employee Recovery Time When an employee gets injured on the job, the path back to work should be straightforward. But often, it isn’t. New research reveals two critical factors, frequently overlooked by employers, that significantly increase how long an injured employee stays off the job: fear and pre-existing health conditions. […]

Why Ignoring Workers’ Comp Is a Costly Mistake—Even Now Workers’ compensation insurance has never been cheaper. In the last 30 years, rates have plummeted by over 80% in some sectors when adjusted for inflation. With costs falling here while rising everywhere else, it’s tempting to shift your focus away from your workers’ comp program. That […]

Modernize Your Safety Communication to Reduce Injuries The communication landscape has changed dramatically, but many workplace safety programs are still stuck in the past. If your safety messaging hasn’t evolved with your workforce, you are failing to manage risk effectively. Today’s employees expect communication that is direct, relevant, and respects their intelligence and time. Outdated, […]

Workplace Safety: Your Most Overlooked Profit Center For decades, many businesses operated on a simple philosophy: “Production at all costs.” The goal was to get the job done fast, because you don’t get paid until the project is complete. Safety was often an afterthought, and the cost of that mindset showed up in workplace injuries […]

A Leader’s Guide to Preventing Winter Workplace Injuries Winter weather introduces predictable risks to your business. Ignoring them is a financial gamble. With employee turnover higher than ever, you likely have inexperienced team members who are less familiar with seasonal safety protocols. It’s time to prepare. The four most significant winter hazards are slips and […]

Workers’ Comp Is Not an Overhead Expense. It’s a Business Lever. A Real-World Example: From Cost to Competitive Advantage Consider a general contractor a Certified WorkComp Advisor to worked with. For years, his company experienced one or two serious falls annually. He accepted this as an inevitable “cost of doing business” in construction. As a […]