• About Us |
  • Follow Us: 
theinsurance411.com logo

The Insurance 411

What you need to know about insurance

  • 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
    • Cyber Insurance
    • Directors & Officers
    • Employment Practices Liability
    • Environmental Liability
    • Professional Liability
    • Surety
    • The Basics
  • Workers’ Compensation Insurance
    • All Workers’ Comp Topics
    • 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
  • 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
    • Cyber Insurance
    • Directors & Officers
    • Employment Practices Liability
    • Environmental Liability
    • Professional Liability
    • Surety
    • The Basics
  • Workers’ Compensation Insurance
    • All Workers’ Comp Topics
    • 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
Top Business 411 Stories
  • | How Do Your Healthcare Providers Rate?
  • | Employee Dental Insurance for Every Budget
  • | How to Get Sued By Your Employees in 10 Easy Steps
  • | Marijuana and Workers Compensation

How Insurers Calculate Your Comp Rates

October 14, 2015 by The Insurance 411Leave a Comment

Ex Mod Calculations

Although workers’ compensation may seem complicated, only two factors affect your workers’ compensation costs: your employees’ job classifications and your experience modification factor. Rating bureaus publish rates for hundreds of different job classifications, shown as rate per $100 of payroll. These rates are based on the relative hazards of each occupation. For example, it costs...
Read more

Filed Under: The WC Basics   •  Workers' Compensation Insurance

Healthy Aging in the Workforce

October 8, 2015 by The Insurance 411Leave a Comment

Aging Workforce

The workforce is aging, so understanding the specific needs of older workers can help you keep them healthy and on the job. Here’s what you should know. Several years ago trend-spotters started talking about the “brain drain” that would occur when skilled Baby Boomers start to retire. More recently, the upheaval in financial markets and...
Read more

Filed Under: Loss Prevention   •  Recommended Articles   •  Workers' Compensation Insurance

Two Techniques for Managing Claim Costs

October 4, 2015 by The Insurance 411Leave a Comment

Controlling Claim Costs

Utilization reviews have saved companies around the country billions of dollars in workers’ compensation costs since California mandated utilization review in 2004. Other techniques, such as using a specialized workers’ compensation medical care network, can also work. Here’s a brief overview. Utilization Review Utilization review is designed to bring greater efficiency to the recovery process...
Read more

Filed Under: Claims Management   •  Controlling Costs   •  Workers' Compensation Insurance

Drones in the Workplace

August 22, 2015 by The Insurance 411Leave a Comment

Drones in the workplace

Real estate agents use unmanned aircraft systems, or drones, to photograph properties. Amazon promises that it will soon be using drones to deliver packages from its warehouses to your doorstep. And drones could help employers manage risk. In loss control: Drones can access areas out of reach of traditional video cameras, making them a valuable...
Read more

Filed Under: _Website Topics   •  Controlling Costs   •  Most Popular   •  Recommended Articles   •  Risk Management   •  Workers' Compensation Insurance

Employee or Independent Contractor…and Why You Need to Know

August 10, 2015 by The Insurance 411Leave a Comment

Independent Contractor or not

Earlier this year, a court ruled that Federal Express drivers should have been classified as employees, when the company had classified them as independent contractors. And the U.S. Department of Labor announced that a five-year investigation in Utah and Arizona yielded $700,000 in back wages, damages, penalties and other guarantees for more than 1,000 construction...
Read more

Filed Under: Regulations   •  The WC Basics   •  Workers' Compensation Insurance

The Affordable Care Act and Workers’ Comp

August 4, 2015 by The Insurance 411Leave a Comment

Workes Comp and ACA

In a recent scholarly article, David A. North outlines how the Affordable Care Act has changed workers’ compensation, and what we might expect in the future. In a recent scholarly article, David A. North outlines how the Affordable Care Act has changed workers’ compensation, and what we might expect in the future. The Affordable Care...
Read more

Filed Under: Regulations   •  Workers' Compensation Insurance

Horseplay: Who Pays When Someone Gets Hurt?

August 3, 2015 by The Insurance 411Leave a Comment

Horseplay compensation

When horseplay occurs in a work environment, does workers’ compensation apply? Generally, an injury must 1) occur in the course of employment and 2) arise out of the worker’s employment to be compensable. Merriam-Webster defines horseplay as “rough or loud play: energetic and noisy playful activity.”’ Most job descriptions don’t include play…so should employees receive...
Read more

Filed Under: Loss Prevention   •  Regulations   •  Workers' Compensation Insurance

What Does a Claims Professional Do?

July 19, 2015 by The Insurance 411Leave a Comment

Claims Professionals

After a loss, your insurer will probably call in one of several claims experts before it pays your claim. Here’s a brief overview of some of the claims professionals you might encounter after filing a claim. Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim,...
Read more

Filed Under: Claims Management

Intern-al Affair

June 3, 2015 by The Insurance 411Leave a Comment

Interns and workers comp

With the jobless rate for people ages 20 to 24 still higher than10 percent, many college students might be willing to trade their time for an unpaid learning experience. But there is a legal difference between an employee and an intern. Knowing the difference can help you avoid breaking the law. Does workers’ compensation apply...
Read more

Filed Under: Regulations   •  Workers' Compensation Insurance

PTSD and Workers’ Compensation

June 3, 2015 by The Insurance 4111 Comment

PTSD

According to the National Center for Post Traumatic Stress Disorder (NCPTSD), some 7.8 percent of Americans will experience post traumatic stress disorder (PTSD) at some point in their lives. How does PTSD impact an employer’s workers’ compensation program? PTSD is a psychological syndrome that can affect a person of any age. A person can develop...
Read more

Filed Under: Claims Management   •  Workers' Compensation Insurance

  • « Previous Page
  • 1
  • 2
  • 3
  • 4
  • 5
  • Next Page »

Read more ⤵

  • Business Insurance
  • Personal Insurance
  • Newest Business Articles
  • All Business Topics
  • Recommended Articles
    • Ways to Make Childcare Costs a Little More Affordable
    • Self Funding 101 For Employers
    • Weight Discrimination on the Rise
    • Understanding Consumer-Driven Health Plans

The Daily Blog

Directory Ad for 411sidebar

Register for Weekly Business Insurance Article Updates

  • This field is for validation purposes and should be left unchanged.

Most Popular

  • Ways to Make Childcare Costs a Little More Affordable
  • Title VII Non-discrimination Protections Apply to LBGTQ Individuals
  • Drones in the Workplace
  • Why Stress Is a Work Safety Problem

Attention Insurance Agents

If you are looking for quality insurance content for your own customized newsletter, please visit Smarts Publishing:
https://smartspublishing.com

Business Insurance 411

  • Essential Property and Liability
  • Specialized Policies
  • Workers’ Compensation
  • Employee Benefits

Personal Insurance 411

  • Homeowners Insurance
  • Auto Insurance
  • Life & Health Insurance
  • Personal Insurance Basics

Read More

  • Business 411 Articles
  • Personal 411 Articles
  • Top Stories Business
  • Top Stories Personal

The Daily Blog

  • Newest Business Articles
  • Newest Personal Articles
  • Most Popular Business
  • Most Popular Personal

Copyright ©2019 TheInsurance411.com

  • Home
  • Terms of Use
  • Privacy Policy
  • About Us
  • Contact Us