Workers Compensation – First Aid Claims. What’s that?
California Employers have an option to self-pay certain Work Comp coverage claims themselves. Some employers know this already, (even though they may not know the complete outline of the program)....
View ArticleCalifornia Manufacturers – Workers Compensation costs & benefits
A leading Manufacturers publication reports that California is second to last in Work comp costs and benefits as measured by various Institutes, academies and government sources. The Industry Week...
View ArticleIs my Broker…Certified, or…Certifiable?
A friend asked me, “Are there any certifications for Work Comp professionals”? Her question is about Agents and Brokers offering Work Comp coverage. I mentioned that the most common and well-known...
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The 2008 Workers Compensation premium audit is soon.
My desire for you concerning the audit is that you are victorious, not vanquished! The overall goal, (victory), in this case is that you are charged only the audit premium that you may actually owe....
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Brace for Impact (a July Workers Comp premium increase).
The statement above, made by the heroic pilot of US Airways Flight 1549 last January is an apt description of what employers must prepare for. The impact is higher Workers Compensation premiums. It’s...
View ArticleBrace for Impact II, (Jan ‘10 pure premium increase)
The Workers Compensation Insurance Rating Bureau, (www.wcirbonline.org), has filed for a January ‘10 pure premium advisory rate increase of 22.8% on all California Workers Compensation policies. This...
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Don’t move; Instead, quit losing money on Work Comp.
A recent article in the Economist, (http://www.economist.com/world/unitedstates/displaystory.cfm?story_id=14327185) highlights the heated competition between states on the prowl for companies to move...
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The most important date of the year – it’s not what you think
Too many Workers Compensation policyholders think that the most important date of the year is their renewal date. Guess what, it’s not. Without question, the far more important date of the year is six...
View ArticleThe 2010 Experience Rating plan changes
Yesterday, 04/13/10, I attended the WCIRB’s 2010 Experience Modification plan changes Seminar in Burbank. This was a very informative two-hour seminar put on by Dave Bellusci, Senior VP and Chief...
View ArticleWork Comp Medical Liens – Maybe some relief
California Employers may finally get some relief from the excessive costs and burdens of Workers Compensation Medical Liens. These Liens work just like Mechanic’s Liens, or any other type of lien. They...
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We help customers make informed insurance decisions You want the best outcomes in all aspects of your business. Our goal is to help you with the insurance and risk aspects of your business. For...
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Workers Compensation For many businesses, workers compensation is their largest insurance expense. Plus, consider its impact on human resources and the costs of compliance, documentation and other...
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General Liability Your premiums are going up. You don’t know why, and your coverage is being reduced. You have choices. When we review your coverage, you can find out what’s working, what’s not, and if...
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Management Liability As a thriving, growing professional corporation, the last thing you need is an un-insured allegation. Insurance provisions and terms are narrowing all the time. Sometimes it’s hard...
View ArticleWorkers Compensation; an invitation to participate and get the best outcomes.
This blog exists to foster a community of Business owners, (and anyone else who assists them), who want to improve every aspect of their Workers Compensation plan. My hope is that as the blog grows...
View ArticleWhat is a Workers Compensation Plan? How do you define that?
There are many ways to define a Workers Compensation plan, some folks would define it as simply as: “give me a Workers Comp policy with the lowest premium”. And that may be a great definition if your...
View ArticleWork Comp Bureau – They issued a recommendation for higher rates. Ouch 6.9% up.
The Workers Compensation Insurance Rating Bureau, (www.wcirb.com), has issued a recommendation for higher Workers Compensation premium rates for California employers. Effective date for the increased...
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Workers Comp – Medical liens, part one.
What are Work Comp medical liens? How do they affect you, and why should you care? Medical liens – ask your Adjuster. Workers Comp medical liens are bills that are sent to your Workers Comp insurance...
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Workers Comp – Medical liens, part two. Los Angeles County is awash in them.
In my first post about Work Comp medical liens I discussed what they are and why you should care. In this post, I wanted to show how severe the problem is in Los Angeles County and all of California....
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Well known Workers Comp Insurance Company gets a ratings downgrade.
Tower Select Insurance goes down to a B++ rating with A.M. Best, (Fitch downgrades too). Tower Group stock slide. Over the past several years Tower Select Insurance has been writing a lot of Workers...
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