Archive for: Employers & Agents

Is your Alabama workers’ comp claim a potential goldmine you’re missing out on? This video reveals the Alabama subrogation trap and how to avoid it!

Here’s what you’ll learn:
* Discover how to recover medical *and* wage payments under Alabama Statute 25-5-11.
* Understand your “Third-Party” right of recovery and why it’s crucial.
* Learn how to protect your Experience Mod and prevent employees from settling “around” you.

Don’t let money slip through your fingers. Visit https://LockedAndLoadedTraining.com to take control of your costs and https://www.workcompprofessionals.com/ for expert insights.

Is your Pennsylvania business unknowingly overpaying on workers’ comp? Discover the critical changes to PA’s Experience Mod calculation that took effect April 1, 2024. This video reveals the “Swing Limit” trap, the importance of three-decimal precision, and why your current agent’s projections might be costing you thousands.
Summary:
1. **New PCRB Formula:** Pennsylvania’s Mod calculation radically changed on April 1, 2024, focusing on “Statistical Credibility.”
2. **25% Swing Limit Trap:** A temporary cap prevents huge Mod jumps, but it’s a premium time bomb if you’re “protected.”
3. **Three-Decimal Precision:** Rounding errors by national software can lead to thousands in “phantom” overcharges.
Learn how to protect your profits!
Agents: https://www.workcompprofessionals.com/
Employers: https://LockedAndLoadedTraining.com

Federal OSHA enforcement and compliance guidance have always been central to employer risk management. But as we move deeper into 2026, the agency’s behavior itself, not just the rules on the books, is offering critical clues about where inspections, citations, and compliance expectations are headed. For employers and risk professionals, understanding these shifts isn’t academic; […]

Your Insurance Agent’s True Role in Workers’ Compensation In any workers’ compensation claim, you hear about the employee, the doctor, the employer, and the insurance company. But the most critical player is often overlooked: your insurance agent. If your agent is merely providing quotes, they are failing you. A true workers’ comp specialist is an […]

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 […]

In 2021 WorkComp Advisors noticed that auditors were being far more aggressive than they had been in the past. In some respects, it was understandable. Payrolls and worker’s comp net written premium were down significantly in 2020 and it’s the auditors’ job to recoup as much as possible. Many expected a return to less aggressive […]

For decades a 500,000-square-mile zone in the Atlantic Ocean triangulated between Puerto Rico, Florida, and Bermuda has been dubbed the Bermuda Triangle. This area has been linked to the mysterious disappearance of ships and aircraft dating back to 1945 when five U.S. Navy aircraft vanished without a trace. What happened is a matter of speculation […]

While many employers anticipated an Emergency Temporary Standard (ETS) regarding COVID-19 on March 15 per President Biden’s Executive Order, OSHA took an unusual step and launched a COVID-19 National Emphasis Program (NEP) https://www.osha.gov/sites/default/files/enforcement/directives/DIR_2021-01_CPL-03.pdf on March 12 before issuing the ETS. It is expected that an ETS will be forthcoming, but the only official statement from […]

It is a time like no other for insurance renewals. The COVID-19 pandemic and the resulting economic fallout have upended the decades-long certainty within the workers’ compensation market that let employers reap the benefits of a soft market. Steep declines in premiums as a result of historic unemployment and falling payrolls suppressed investment returns from […]

Form 300A posting deadline February 1, 2019 Electronic rule making update Form 300A electronic submission deadline: March 2, 2019 How the data is being used: Site-Specific Targeting Initiative This month, all employers required to keep Form 300, the Injury and Illness Log, should be reviewing the Log to verify that entries are complete and accurate […]