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 see
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
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 you
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
Gillespie Insurance Services helps people and businesses in California, Arizona and Nevada.