Smoke.. Meet Mirrors. What The Workers’ Comp Rate Cut Really Means

Up & Down ArrowsWhen the Workers’ Compensation Insurance Rating Bureau (WCIRB) recently recommended decreasing their premium rate by 1.8 percent my first thought was, “That seems odd.”  I mean, I understand that Worker’s Compensation claims are down overall by 1.6 percent in California alone but that’s just because of a major reduction in the workforce. Fewer jobs. Fewer Workers’ Compensation claims.

Continue reading “Smoke.. Meet Mirrors. What The Workers’ Comp Rate Cut Really Means”

No Company Car? You May Still Need a Business Auto Policy

umbrella car 300x225Even if your company doesn’t own a vehicle, you may still face auto liability exposure. Take the instance of an employee driving their personal vehicle to run a work-related errand. It is not a stretch to imagine that your company may be named in an ensuing lawsuit, especially if the worker’s personal automobile policy’s limits are insufficient.

Continue reading “No Company Car? You May Still Need a Business Auto Policy”

Avoid Having a Workers Comp Claim Turn Into A Huge Fine

Work Injury Claim Form 200X134Your worker is hurt on the job. Hey it happens. That’s why you have workers compensation insurance right? So you fill out all of the workman’s comp paper work and send it in only to find that despite dotting your “I”s and crossing your “T”s you get a notice from the fed about an investigation and potential fine. Why?

Under federal law, all employers are required to verify the identity and eligibility to work in the US of all new hires, whether or not they are citizens. As part of this process they are required to fill out Form I-9, which includes examining at least two forms of identification as listed on the form. Not having the I-9 can turn your legitimate workman’s comp claim into a nightmare.

Continue reading “Avoid Having a Workers Comp Claim Turn Into A Huge Fine”