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Workers’ Comp

How Agents Can Lower the Cost of Workers’ Comp

Workers’ Compensation insurance is mandatory in nearly every state and designed to provide employees with coverage for medical costs and lost wages for workplace-related injuries or illnesses. Work Comp premiums are based on three factors: classification codes, employer payroll, and an employer’s experience modification (ex-mod).

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Balancing Worker Safety and Customer Demands

Municipalities and businesses across the United States have enacted mask mandates in an effort to quell the spread of the coronavirus. Despite that, a handful of Americans refuse to comply, raising the question of enforcement. While some local governments fine those who violate public health guidelines, the routes for recourse for businesses are unclear. How…

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Workers Compensation in the COVID World

When the coronavirus hit earlier this year and it became obvious that many individuals were at risk of becoming infected, several states amended their rules for Workers Compensation benefits payouts to include healthcare and frontline workers exposed to the virus and then quarantined. Compensability for occupational diseases varies per state with some statutes excluding “ordinary…

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