Author Archives: Eli Gillespie

About Eli Gillespie

I'm the insurance agent that wrote this content.

Workers Comp for Domestic Workers in California

Workers Compensation laws in California are pretty straight forward: if you have any employees – even just one – you have to have workers comp.  But sometimes things get confusing.  Yes, it’s true.  Here’s an example: what if you pay your neighbor’s son to feed your dog while you’re on vacation?  Aah, see?  It’s not always clear cut, now is it?

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How Do Day Laborers Affect My Workers Comp?

You know those guys that hang around Home Depot looking to get hired for the day?  Let’s call them day laborers.  As an employer, you may have seen day laborers and thought about using them.  Running the numbers, it might make sense for your business because day laborers are available and inexpensive.  I want to let you know, however, that using day laborers will most likely get you cancelled or non-renewed with your workers comp insurer.

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Experience Modifications in California are Changing as of January 1st 2017

Experience Modifications are powerful.  They can help or handicap your business in a big way.  I’ve seen businesses go out of business because of a surprise massive Experience Modification.  I’ve seen a workers comp premium go from $20,000 to $75,000 all because of an Experience Modification increase.

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Having Trouble Estimating Your Payroll? Try Monthly Reporting

What is your payroll going to be for the next 12 months?  Does this question create a sense of anxiety emanating from deep within your soul?  As your insurance agent/therapist, I would like to ask if you could take a moment to identify the root cause of this fear and trembling.  Go ahead and lay down.  My couch is right by my desk.

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