Employee Drivers: a Work-related Risk

What’s driving up claims? Do your employees, contractors and/or volunteers drive company or personal vehicles for business purposes? Accidents can occur to anyone while driving to a sales meeting, job site, conference, business lunch or the post office. Your drivers,

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Workplace Safety Policy Includes a Return-to-Work Plan

Safety policies aren’t just about preventing injuries. Preventing injuries on the job site is the goal of any workplace safety policy. But did you know you can also prevent unnecessary costs by developing a return-to-work program in your company’s safety

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Roofing contractor

Contractors and On-the-Job Heat Illness

Signs, symptoms and prevention tips We see you out there building our homes, paving our roads and maintaining our infrastructure. As a contractor, there isn’t much that slows you down. When a job is on the line, you and your

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Contractor Workers Compensation Insurance

Why Workers’ Comp Claimants Prefer Attorney Representation

The reasons behind needing the assistance of an attorney The three main reasons injured employees hire an attorney when filing Workers’ Compensation claims is lack of workplace trust, fear of the claim being denied, and the severity of the injury

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Workers' Comp insurance

Homeowners Building Their Own Home

Do they need Workers’ Compensation insurance? The answer depends on a number of factors, according to a panel of experts from the Independent Insurance Agents & Brokers Association. Some states exempt homeowners building their own home from the requirement to carry Workers

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Subcontractor and Employees

What’s the difference? Many of our builder clients ask us about the difference between an employee and a subcontractor or independent contractor for purposes of Workers Compensation and tax withholding. There are a number of rules of thumb on this

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General contractors and workmans' compensation

Workers’ Comp Claim for an Excluded Owner

One of our builder insurance clients recently posed the following question: Could a builder who is excluded under his own policy be stuck with a Workers’ Compensation claim for the owner of a subcontracting company who is not covered under his own Workers’ Compensation policy? According to the

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Workers' Comp injuries and migrant workers

Injuries at Employer-provided Housing

Are they covered under Workers’ Compensation? In the case at hand, a migrant worker was injured when he fell on a wet sidewalk at housing supplied by his employer. The bunkhouse rule was argued and the rule acknowledges that there are circumstances

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Auto accident and workers' compensation

Coffee Break Covered Under Workers’ Comp

In the case at hand, a New Jersey plumber was injured in an auto accident while driving to take a coffee break, with the permission of his employer.  He was injured while driving a company vehicle.  The plumber’s appointment was

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Workers' Comp for Builders

Decreasing Workers’ Compensation Premiums

Increasing loss ratios One factor that insurance companies use to underwrite your contractors Workers’ Compensation insurance policy is loss ratio.  Simply put, your loss ratio is the dollar amount of losses divided by premium.  A contractor with a loss of $10,000

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