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Do You Have Workers That Are Frequent Claim Filers?

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While the vast majority of workers comp claims are legitimate accidents from honest, hard-working employees eager to overcome their injury and get back to work. However, every so often an employee with ulterior, personal motives decides to beat…
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Workers Compensation Insurance for Leased Workers

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Many companies are increasingly turning to staffing agencies where they lease employees to meet their needs for a variety of reasons, including increased workloads and high employee turnover rates. Companies that use staffing agencies can save…
direct costs are just the tip

Considerations When Starting A Safety Committee

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One of the main parts of a solid safety program is to promote better communication between employees and management. We believe safety committees are one of the most cost effective, high yielding solutions for safety challenged organizations.…
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Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

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Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting…
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Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
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Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

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Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…

What Is The Cost To Run A Captive Insurance Program?

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How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer…
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What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

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With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…