Workers Compensation Insurance
Tips for Communicating With an Insurance Adjuster After a Slip and Fall Accident
What is a Slip and Fall Accident? A slip and fall accident is an incident in which a person slips, trips, or falls on someone else’s property as a result of a hazardous condition, such as a wet floor, uneven surface, or debris. These accidents can occur in various settings, including public places, private residences,…
The Importance of Worker’s Compensation Insurance for Small 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
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…
Workers Compensation 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
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
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’…