The Knowledge Base

helpful tidbits from the experts

The truth about Workers’ Comp Insurance for Auto Businesses

Every state has rules regulating workers’ compensation insurance. Regardless of your business location, states require most industries to insure their employees.

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Get the Most from Your Healthcare Workers’ Comp

Workers’ compensation insurance is integral to any industry. It ensures that workers (employers and employees alike) are taken care of in the event of an injury, accident, or illness associated with the workplace. That’s valuable regardless of the work someone does. Accidents can happen in any job.

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Is Workers’ Comp Insurance for Landscapers Necessary?

If you take a walk or even look out a window, odds are you’ll see work completed by professional landscapers. The trees that line roadways and the carefully curated bushes situated beneath a neighbor’s window are all likely the handiwork of hardworking landscaping employees. Landscaping and lawn care workers spend hours outside each day, all year long.

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Florida Workers Comp Laws and Getting Exemptions

Companies need to know and understand Florida workers’ comp laws to ensure they are following the requirements put forth by the state. They need to have coverage for their employees. However, there are a lot of questions as to who needs to have coverage and who doesn’t. Some companies may be exempt, and some companies that require coverage could still allow the owners to be exempt. Let’s take a closer look to get a better idea of how it all works.

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The Average Cost of Workers’ Compensation Insurance

“What is the average cost of workers’ compensation insurance going to be?” Although this is a question that is commonly asked by all sorts of companies across the country, it’s not easy to answer. There really isn’t a way to get an average, and you’ll start to see why below.

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What Does Workers’ Comp Cover?

Are you thinking about investing in workers’ compensation insurance, but you’re not sure if it’s worth it? Prioritizing the health and safety of your employees - and your business in general - is always important, so getting behind an insurance policy that backs this up means your business intentions are in the right place

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Workers' Comp Audit: 6 Tips to Avoid a Surprise Bill

Workers' compensation is an essential part of any business. What makes it challenging is that the payment structure requires an up-front payment based on projections, with any remaining balance due at the audit.

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Do I Need Workers’ Comp Insurance?

Workers’ compensation insurance, also called workers’ comp or workmans’ comp, is a business insurance which protects both you and your employees in the event of a work related injury or illness. Of course, employers always strive to maintain a safe workplace. However, even in the best workplace environment, injuries and accidents happen.

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How is my Workers' Comp Insurance Premium Calculated?

Investing in worker's comp insurance can be a smart move for your business, but the idea of covering the cost of the policy can be a bit daunting. However, if you stop for a minute and think of the various ways your employees can potentially get injured and what it would cost to cover the medical bills and leave for those injuries, the insurance premium payments no longer seem too bad.

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Who is Exempt from Workers’ Compensation Insurance?

One of the most common questions asked by businesses who are looking into the various insurance coverages, is whether they will need workers’ comp coverage. There are some instances where the coverage will not be necessary, but it is important to double-check to see what rules apply to you.

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A Guide to Restaurant Workers’ Comp Insurance

Those who work in the restaurant industry know that there are plenty of potential risks in the workplace. Although the front of the eatery might present a calm, pleasant experience for the guests, the kitchen, storage areas, loading docks, etc. are another story entirely. It’s in these locations where injuries tend to occur more often. Of course, that’s not to say that employees couldn’t be injured out in the dining area, as well.

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What is a Workers’ Compensation Audit?

Your company's payroll will be reviewed and verified during a workers' compensation audit. Since the payroll paid to your employees over the course of a policy term directly affects the workers’ compensation premiums, auditors look at your payroll at expiration or cancellation of every workers' comp policy.

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