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  • Essential Property and Liability Insurance
    • All Property & Liability Topics
    • Business Income Insurance
    • General and Auto Liability
  • Specialized Insurance Policies
    • All Specialized Prop & Liability Topics
    • Credit Risk
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    • Employment Practices Liability
    • Environmental Liability
    • Professional Liability
    • Surety
    • The Basics
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    • Claims Management
    • Controlling Costs
    • Loss Prevention
    • Regulations
    • The WC Basics
  • Employee Benefits
    • All Employee Benefit Topics
    • Affordable Care Act – “ObamaCare”
    • Benefits Management & Compliance
    • COBRA
    • Dental Insurance
    • Group Disability Insurance
    • Retirement Plans
    • Vision Plans
    • Voluntary Benefits
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Understand And Improve Your Experience Modifier

September 5, 2015 by The Insurance 411Leave a Comment

To calculate your workers compensation insurance premium, the insurance company takes into consideration three things – the type of business you are in, the total amount of your company’s payroll and your experience modifier.  The only one of the three things the employer has control over (without reducing payroll) is the experience modifier (also referred...
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Theme: Recommended, Workers Comp

Understanding Medicare Advantage Plans in Your Work Comp Case

September 4, 2015 by The Insurance 411Leave a Comment

Medicare Advantage Plans (MA Plans) are growing in popularity and currently cover about 30% of all Medicare beneficiaries.  This is partly due to the fact MA Plans provide numerous coverage options for people with various medical needs. The increasing use of these Plans has created confusion for claim management teams as they handle workers’ compensation...
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Theme: Recommended, Workers Comp

Small Percent Of Claims Create Large Percent Of Costs

September 3, 2015 by The Insurance 411Leave a Comment

Twenty percent of all workers’ compensation cost is incurred on less than one percent of the claims.  These high dollar claims are often referred to as catastrophic claims.  The term ‘catastrophic claim’ applies to the nature of the claim, not the dollar cost, even though the severe nature of the claim and the high dollar...
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Theme: Recommended, Workers Comp

Defense Attorney Often Over-Looked as Cost Containment Strategy

September 2, 2015 by The Insurance 411Leave a Comment

The proper selection of defense attorneys is one of the most important things a self-insured employer can do to control cost of the larger workers’ compensation claims.  It is also one of the most over-looked ways to control claim cost.  Whether you are new to the world of self-insurance, or just not happy with the...
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Theme: Recommended, Workers Comp

Permanent Partial Disability In Workers Compensation

September 2, 2015 by The Insurance 411Leave a Comment

The objective of the medical providers in every workers’ compensation claim is to assist the injured employee to recover completely or to the greatest degree of recovery that is possible.  Unfortunately, there are injuries where the employee does not recover fully from the effects of the injury.  When an employee reaches maximum medical improvement (the...
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Theme: Recommended, Workers Comp

Storm Surge Risk Rising Along U.S. Coast

September 1, 2015 by The Insurance 411Leave a Comment

While there’s much focus on storm surge risk in New Orleans as we mark the 10th anniversary of Hurricane Katrina, two new reports highlight the vulnerability of other U.S. coastal cities to storm surge flooding. An analysis by Karen Clark & Co ranks the U.S. cities most vulnerable to storm surge flooding based on losses...
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Theme: Auto & Homeowners, Business Insurance, News, Recommended

Lightning Fatalities Prompt Warning

September 1, 2015 by The Insurance 411Leave a Comment

The number of lightning deaths in the United States in 2015 continues to rise, the National Weather Service (NWS) has warned. So far this year some 22 lightning fatalities have been recorded, just four shy of the 26 deaths recorded for the whole of 2014. Alabama, Florida and Colorado top the states for lightning deaths...
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Theme: Auto & Homeowners, Business Insurance, News, Recommended

Popular San Francisco Neighborhoods, Demographics & Auto Insurance Rates

September 1, 2015 by The Insurance 411Leave a Comment

Each San Francisco neighborhood has characteristics that make it unique. From the pricey, Victorian homes in Pacific Heights to the hot startup / tech scene in SOMA (where our offices are!), each area has it’s own personality and vibe. Now, you might ask, what on earth does this have to do with car insurance? Auto...
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Theme: Auto & Homeowners, Recommended

Man-Made Disasters, Global Impact

September 1, 2015 by The Insurance 411Leave a Comment

A New York Times article over the weekend takes a behind-the-scenes look at the recent deadly blasts at the port city of Tianjin in China. The series of explosions and fire that began at a hazardous chemicals storage warehouse in the Binhai New Area of Tianjin August 12, leveled a large industrial area, leaving at...
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Theme: Business Insurance, Recommended

How do you research crime in a neighborhood?

September 1, 2015 by The Insurance 411Leave a Comment

real estate Dear Real Estate Adviser,We’re looking in a few different communities to buy a home that would be within short driving distance of our grandchildren. But we’re very security-conscious, almost to the point of paranoia. What is the most accurate way to research crime data in a particular community?— Colleen M. Dear Colleen,Since this...
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Theme: Auto & Homeowners, Recommended

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