In California, the State Compensation Insurance Fund aka "State Fund" exists as a market of last resort. That means that if you can't find insurance
Ah, the mysterious and elusive Workers Comp. It's the simplest of insurance products to understand: it pays for workers who are injured on the job.
Caves have been a part of human existence ever since the beginning. Our Neanderthal ancestors lived in them and drew pictures in them. Today, bomb s
Third Party Administrators. What are they? If you've had a workers comp claim, you might have dealt with one. They are outsourced claims adjuste
Why is my workers comp so expensive? This is one of the most FAQ of all the FAQs. The truth is, there are a lot of factors going into your workers
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 w
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
Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement. It was a nice article, and all true. What I want to tell
If you've ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS.
Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy. Why? Because it reduces your coverage to a
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