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.

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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.

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