Posted: February 28, 2019
How To Add Value To Your Next Business Insurance Renewal Your business insurance is an important part of your overall risk management program. It is essential to have the best possible insurance coverage, competitive pricing, and the right insurer. We have found a number of factors that are important when renewing your business insurance program. Your business insurance program should generally include commercial property,...
Agritourism Risk & Reward
Posted: February 15, 2019
Agritourism is any activity that allows members of the general public on your farm property for recreational, entertainment or educational purposes. Agritourism activities include everything from a bed and breakfast, a corn maze, an educational field trip, a store or wine tasting, to “pick your own” and roadside farm stands. It is important to understand your increased liability, by having visitors on your property. Here...
Is Your Business Hiring This Summer?
Posted: June 27, 2018
Many businesses today offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the business. Offering paid or non-paid internships can create risk for your business. We wanted to highlight some of the business risks associated with having interns. Before you bring that person on board, make sure your...
Are Younger Workers More Accident Prone?
Posted: June 11, 2018
The National Council on Compensation Insurance Says Yes In a recent study by the National Council on Compensation Insurance, younger workers (ages 20-35) have more injuries than older ones. Older workers (ages 45-64) experience more high cost injuries, such as injuries to joints like rotator cuffs and knees. Workers aged 20-35 more commonly experienced ankle sprains. The real factor influencing the difference in medical severities...
The Benefits of a Workers’ Compensation Experience Modifier Review
Posted: April 12, 2018
Your Experience Mod Is Your Work Comp Identity It is a fact that many employers overpay for their workers’ compensation premiums. One of the reasons is that their experience modifier is not accurate. The experience modifier is a numeric representation of your company's loss history compared to the average for your industry. If your loss history is average, your modifier should be 1.00. The experience...