Workers Comp

Types of Transitional Duties in Return-to-Work Programs When an employee experiences an occupational illness or injury, their eventual return to the workplace can create considerable challenges, putting significant stress on both the individual and their employer. Nevertheless, return-to-work (RTW) programs can help alleviate these concerns by supporting staff as they reintegrate into the workforce. These […]

Understanding the Experience Modification Factor Workers’ compensation insurance is a crucial component of protecting employees in the event of work-related injuries or illnesses. It provides medical benefits, wage replacement, and other necessary resources to injured workers while also safeguarding employers from costly lawsuits. One important aspect that plays a significant role in determining the cost […]

Five Strategies for Reducing Workers’ Compensation Costs  When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key to spending fewer dollars is more than just stopping a few accidents; it is having a sound safety program designed to continuously improve. This […]

As an employer, you do everything you can to promote a safe organization and protect employees from occupational illnesses and injuries, thus minimizing potential workers’ compensation claims. Nevertheless, the risk of an employee experiencing a work-related illness or injury due to the fault of a third party—whether it’s another organization, a contractor or a member […]

While workers’ compensation requirements can differ between states, many policies include a routine premium audit process. Different from most other lines of commercial insurance (e.g., property coverage)—in which potential exposures can be identified upfront and premium expenses are final—workers’ compensation premiums paid at the beginning of policy periods are provisional amounts.   In other words, […]