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Workers’ compensation insurance is insurance that employers get to cover employees in the event of injury or illness on the job. Some states require businesses to carry workers’ compensation benefits for their employees. However, even in states that do not require it, it can be financially beneficial for employers to have the coverage. It protects…

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If you are looking at workers’ compensation coverage for your employees, you are probably interested in medical expense coverage. While it is true that workers’ compensation covers medical expenses for your employees who experience covered work-related injuries, it is not blanket coverage for all medical expenses. Understanding what type of medical expenses are covered can…

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Worried about the cost of workers’ compensation insurance? Make sure and ask about the experience modification rate (EMR). The EMR is a way for safe workplaces to get a discount on their workers’ compensation coverage. The EMR is a multiplying factor that reflects a company’s claim history. The safer your workplace, and the fewer workers’…

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Insurance is not a one-size-fits-all product.  That is why you need an insurance company that treats each customer as an individual.  At Capstone Insurance Services, we take the time to assess your individual insurance needs. Then, we help you find the products you need to protect yourself.  Whether you need personal insurance or business insurance,…

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If you are looking to break into the contract courier business, you may be wondering which is better: FedEx or Amazon DSP? That answer really depends on you. Both Amazon and FedEx deliveries are projected to continue to grow. This means that, even though Amazon appears to be growing exponentially, they do not have a…

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