The Importance of Worker’s Compensation Insurance for Small Businesses

Person using a calculator and writing notes, with a laptop displaying financial charts and graphs, illustrating financial planning and insurance considerations for businesses.

Insurance is a great way to protect your business. For small businesses, it can also be a great way to protect your personal assets. However, you do not want to have too much insurance, because then you waste money in premiums. So, many small businesses wonder if they should have worker’s compensation insurance. The answer […]

Understanding Workers’ Compensation Insurance: What It Is and Who Needs It

Insurance policy document with a fountain pen, relevant to transportation insurance and claims processes.

Wondering if you need workers’ compensation insurance? It can be a great benefit for business owners looking to protect their workers and minimize their own liability. It is even required in some states. However, workers’ compensation insurance is not for every employer. Read on to find out what it is and who needs it. What […]

Transportation Insurance Services For Emerging Industries

Business professional interacting with a digital interface highlighting technology, innovation, and development in the context of emerging transportation industries.

The world is on the cusp of change. There are whispers of another industrial revolution. Whatever it may be, and whenever it may come, industries as we know it will likely change magnificently. You already know some of the things that come to mind, electronics and data processing of all kinds, artificial intelligence, green energy […]

The Importance Of Transportation Insurance For Commercial Fleets

Row of commercial trucks parked in a lot, emphasizing the significance of transportation insurance for commercial fleets.

Commercial trucking is the most valuable form of transporting goods in America, by a long shot. The total value of goods shipped by truck in 2017 was 12 trillion dollars, according to the Bureau of Transportation Statistics. That was over 60% of the total value of goods shipped. As you can see, commercial trucking is […]

Workers Compensation Audits

Businessman holding an umbrella over a sketched figure, symbolizing protection and support in workers' compensation insurance audits.

Workers’ Compensation Insurance Audit Services When you have workers’ compensation coverage, you should know that you can be audited. Insurance companies want to ensure that you are operating your workers’ compensation program fairly. If you are facing an audit, here are some things you can do to make it run more smoothly. Unlike other types […]

Workers Compensation Benefits and Their Categories

Construction workers in safety gear performing maintenance on rooftop equipment, with city skyline in the background, relevant to commercial trucking and workers' compensation insurance context.

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 […]

Medical Expenses

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 […]

Experience Modification Rate for Workers’ Compensation Insurance

Notebook with "Workers Compensation" text, illustration of a person falling onto cash, surrounded by a green highlighter, pen, calculator, and binder clip, emphasizing medical expenses in workers' compensation insurance.

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’ […]

Capstone Comprehensive Insurance Coverage

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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, […]

Comparing FedEx Routes and Amazon DSP Routes

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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