Press Room

Expanding Workers Compensation Risk: Key Insights for Workers' Comp Success Understanding expanding workers compensation risk is essential for anyone navigating workers’ compensation. Whether you are an employer managing premium costs or an insurance agent serving clients, mastering expanding workers compensation...

The Alabama Second Injury Fund: A 30-Year-Old Trap Quick Takeaways * The Concept: The Second Injury Trust Fund was originally intended to support employers who hire workers with pre-existing disabilities. * The Trap: The fund was effectively "frozen" in 1992....

The Alabama Subrogation Trap Quick Takeaways The Trap: Alabama allows you to recover medical expenses and wage payments, but only if your agent files the lien correctly under Statute 25-5-11. The Rule: You have a "Third-Party" right of recovery. If...

Current & Two Prior: Your 3-Year Refund Window Quick Takeaways The Rule: NCCI and state bureaus allow Experience Mod revisions for the Current policy year and the Two Prior years. The Trap: Thinking that once the data is sent to...