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Understanding the factors that influence your workers’ compensation costs is crucial to managing your company’s financial health. One of the most significant determinants of workers’ comp premiums is the Experience Modification Rate (EMR). This is part one of a three part series examining the Experience Modification Rate.  For a more

Workers’ compensation insurance is a crucial aspect of safeguarding businesses and employees against financial risks associated with workplace injuries and illnesses. In this article, we will delve into the to read a Workers Comp policy. By understanding the various components that contribute to the policy’s costs, you can make informed

In today’s digital landscape, most businesses, irrespective of their size, are exposed to cybercrime threats such as data breaches, ransomware attacks, and fraud. To safeguard your business from these potential risks, it is essential to be well-informed about cyber liability insurance, what makes a robust policy, and how to evaluate

Workers compensation is an important insurance policy that every employer is required to have. It serves to safeguard both business owners and employees in the event of work-related injuries. In this article, we will explore the basics of workers compensation, including its coverage, how the policy is rated, and other

Today, I’m sharing some valuable information about saving money on your workers’ compensation insurance. Understanding a key factor called “loss cost modifiers” can help you determine if you’re paying too much. Read on to learn more about workers comp savings! What are Loss Cost Modifiers? When it comes to workers’

Introduction to Commercial Property Insurance: Protecting Your Investments Commercial Property Insurance is a tough market right now.  You might be reading this because you’re starting to feel the pain in your bottom line from increased insurance costs.  If you own commercial properties and want to ensure they are safeguarded in