Category Archives: Business Insurance

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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The Nasty Contractors General Liability Endorsements

I’ve written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it’s pretty bad.  What I want to write about today is a few more of the nasty endorsements that can eliminate coverage from your Commercial General Liability policy.  These endorsements typically – if not exclusively – apply to contractors’ policies.

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Can Owners & Officers Be Excluded On Workers Comp In California?

Note: if you want to read the updated version for 2017, click here.

I frequently get asked the question about who can be excluded on a Workers Comp policy.  Once we get past the lies, myths, and rumors that are addressed in this post, we’re left with the owners and officers.  It’s assumed that they can always be excluded, but I’m here to tell you that sometimes they can’t.  Yes, it’s true.  I’ll explain….

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