Press Room

The AK Subrogation Trap Quick Takeaways * The Trap: Alaska has a "Two-Tiered" statute of limitations. If the employee doesn't sue the third party in 1 year, the claim is automatically assigned to you. * The Rule: Alaska Statute 23.30.015...

The Alabama Mental Injury Rule: Are You Leaving Money on the Table? Quick Takeaways * The Issue: Assuming "Stress" or "PTSD" is covered in Alabama without a corresponding physical injury. * The Rule: Alabama law mandates a physical injury to...

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....

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...

The District of Columbia Contractor Trap: The Statutory Employer Quick Takeaways The Trap: In the District of Columbia, if you hire a sub who doesn't have insurance, you are their workers' comp carrier. Your contract won't save you from the...

The Georgia Contractor Trap: The Statutory Employer Quick Takeaways The Trap: In Georgia, if you hire a sub without insurance, you are their workers' comp carrier. Your contract won't save you from the medical bills. The Rule: Georgia Code §...

The Louisiana Medical Choice Trap: The Employee’s First Physician Quick Takeaways The Trap: In Louisiana, the employee has the right to choose the first doctor. If you don't build a strong medical network before an injury occurs, you are at...