North Carolina LLC Member Exemption: Your “Paper Shield” Will Fail You
North Carolina Workers' Comp: LLC Member Exemption and the Coverage Gap Quick Takeaways The Coverage Gap: North Carolina LLC members are excluded from workers' comp by default and do not count toward the three-employee threshold....
READ ARTICLE
North Carolina 3-Employee Rule: Is Your Small Business a ticking time bomb?
The North Carolina Three-Employee Rule: A Small Business Landmine Quick Takeaways The Trap: Thinking you're too small for workers' comp? That's a dangerous assumption. In North Carolina, officers and family members count toward the three-employee...
READ ARTICLE
New York’s New Mental Injury Law: Are You Prepared for 2025?
The New York Mental Injury Trap Quick Takeaways * The Trap: Thinking mental injuries aren't covered without physical trauma. Everything changed on January 1, 2025. * The New Rule: New York now allows mental injury...
READ ARTICLE
Pennsylvania Workers’ Comp Mod: Is Your Business Overpaying?
The Pennsylvania Mod Calculation Trap Quick Takeaways * The Trap: Assuming Pennsylvania uses the same NCCI math as most other states. * The Rule: Pennsylvania is an Independent Bureau state governed by the PCRB. *...
READ ARTICLE
South Carolina Mental Injury Claims: The “Extraordinary Stress” Trap
The South Carolina Mental Injury Trap Quick Takeaways * The Trap: Thinking "Ordinary Stress" is covered in South Carolina. It isn't. * The Rule: Under Section 42-1-160(b), a mental injury is only compensable if it...
READ ARTICLE
Virginia Subcontractor Trap: Don’t Pay for Their Mistakes!
Virginia Statutory Employer: When a Sub's Injury Becomes Your Claim Quick Takeaways The Liability: In Virginia, you are liable for a subcontractor's employees if they don't have their own insurance — regardless of what your...
READ ARTICLE