Total Cost of Risk from a Construction Workers’ Compensation Lens

It seems that just about everyone in the insurance industry has big thoughts about positively impacting the total cost of risk (TCOR) for their clients. And for good reason. If there are ways to help clients reduce the erosion of their profit margins, who wouldn’t want to share that information? It begs the question, why Read More

What Do I Need to Do Before Renewing My Workers’ Compensation Policy?

While renewing Workers’ Compensation policy, it’s important to secure the necessary amount of coverage for your current workforce size, the kind of work your employees do, and your industry. There are legal implications and cost-saving opportunities to consider while you’re at it. Here are essential steps to take before renewing a Workers’ Compensation policy. 1. Read More

OSHA Violations Legal Implications on Workers’ Compensation Claims

Employees who suffer an illness or injury at work can file Workers’ Compensation claims to recover damages. They don’t have to prove that their suffering resulted from the negligence of their employer. However, any OSHA violation or negligent behavior by an employee that causes the workplace injury can have legal consequences for a company. Employer Read More

Eligibility Requirements for Workers’ Compensation Benefits

Workers’ Compensation benefits are designed to protect both employees and employers against the losses resulting from a work-related injury, illness, or fatality. Despite this, insurers reject more than 25% of Workers’ Comp claims in the U.S. in the first round. The main reason is that some covered employees are ineligible for benefits because they do Read More

Temp Staffing, Independent Consultants and Gig Workers – Who Needs Workers’ Comp Coverage?

While Workers’ Compensation coverage is legally required in almost all states in the U.S, only permanent full-time and part-time employees are fully eligible for Workers’ Compensation coverage. However, temporary workers can also access this coverage depending on factors such as state, location, and the employer’s decision. Temp Staffing Workers’ Compensation In general, temporary workers are Read More