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One of the most confusing components of an employer’s Workers’ Compensation Policy is the Experience Modification Factor. They watch it increase and decrease from year to year – higher Experience Modification Factors generally increase costs and lower factors reduce them. What’s often missing is an understanding of how the Experience Mod factor works and what […]

Most business owners and managers purchase Workers’ Compensation in the wrong way. About 90 to 120 days before their policies expire, they put it out to bid and get quotes. Once in, they review the prices and usually select the policies with the lowest premiums. Biggest Mistakes Companies Make: What You Need to Know Understanding […]

If the anecdotal evidence can be trusted, it’s becoming more and more common that contractors are being put on notice that they will lose the opportunity to bid on jobs if their Workers’ Compensation Experience Mods hit a certain point. Workers Comp Experience Mods: Key Insights for Workers’ Comp Success Understanding workers comp experience mods […]

Like most agents, you work hard at writing new accounts, what salespeople through the years have referred to as “getting the fish in the boat.” But it doesn’t take a master angler to know that once you get the fish, you must still make sure it doesn’t jump out. Then it’s back to square one. […]

Supervisors play a key role in the management of injuries, return‐to‐work and reasonable accommodations under ADA. While supervisors may be well trained in the functional aspects of maintaining a safe workplace, reporting injuries, investigating injuries and return‐to‐work programs, many fall short in their interaction with injured employees and their well‐meaning actions can be costly to […]

In a perfect world, every injured worker would be treated by a physician trained in Occupational Medicine, one who understands how to facilitate recovery and expedite return to work. Family Practitioner In Injury: Key Insights for Workers’ Comp Success Understanding family practitioner in injury is essential for anyone navigating workers’ compensation. Whether you are an […]

Prequalifying Your Business Can: Key Insights for Workers’ Comp Success Understanding prequalifying your business can is essential for anyone navigating workers’ compensation. Whether you are an employer managing premium costs or an insurance agent serving clients, mastering prequalifying your business can gives you a decisive advantage—helping you avoid costly mistakes and deliver better outcomes in […]

Healthier employees lead to lower premiums, according to numerous studies. If companies can help their workers improve their health without cutting benefits or shifting more premium costs to employees, where is the downside? After all, Fortune 1000 companies have been using wellness programs for years to combat the rising costs of healthcare. Lower Insurance Premiums […]

The fact that there is an obesity epidemic in the United States is evident everywhere. A movie theatre seat has grown from an average of 19 inches to 23 inches wide, revolving doors from six feet to eight feet wide, and supermarket aisles have expanded from five feet to seven feet, not to accommodate overweight […]

A recent report by the American Association of Family Practitioners notes that occupational diseases account for 860,000 illnesses and more than 60,000 deaths each year. And this runs the gamut of causes, everything from coal miners contracting black lung disease to assembly line workers in meat packing plants developing carpal tunnel syndrome. Keep Occupational Diseases […]