Workers comp premium is the amount an insured pays every year to be protected from a carrier against a workers comp claim. Premiums for workers comp are adjusted based on experience mods, which are based on claims and payroll figures.

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What A High Experience Mod Means and How It Can Affect You

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You've just seen your Experience Modification Rating (EMR) and it is high again. Or your worst-case scenario, it has gone up again. Year over year, you've spent time shopping for your insurance due to your high EMR. It is time to stop shopping…
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Workers Comp Claim: How To Prevent Hiring Your Next One

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Did you know that MOST workers comp challenges originate from the moment you send that offer of employment letter out?   If you didn't, you are not alone. When you hire a new employee, you inherit their ENTIRE medical history!…