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Are Employee Bonuses Included in Your Workers’ Comp Premium? As you plan year-end bonuses and employee gifts, you need to understand how they affect your workers’ compensation premium. The answer isn’t always simple, but the rules are clear once you know what to look for. Your workers’ comp premium is based on your total employee […]

How a Flawed Injury Investigation Can Cost You $50,000 A workers’ compensation claim for a minor back injury ended up costing an employer nearly $80,000. The problem? The injury very likely did not happen at work. A series of missteps during the initial investigation allowed a questionable claim to proceed, resulting in over $50,000 in […]

Lower Your Workers’ Comp Costs by Reviewing Claim Reserves When an employee files a workers’ compensation claim, the insurance company sets aside money to cover the estimated total cost of that injury. This amount is the claim reserve. While every claim is different, this reserve has a direct and significant impact on your premium. If […]

Why Ignoring Workers’ Comp Is a Costly Mistake—Even Now Workers’ compensation insurance has never been cheaper. In the last 30 years, rates have plummeted by over 80% in some sectors when adjusted for inflation. With costs falling here while rising everywhere else, it’s tempting to shift your focus away from your workers’ comp program. That […]

Modernize Your Safety Communication to Reduce Injuries The communication landscape has changed dramatically, but many workplace safety programs are still stuck in the past. If your safety messaging hasn’t evolved with your workforce, you are failing to manage risk effectively. Today’s employees expect communication that is direct, relevant, and respects their intelligence and time. Outdated, […]

Workplace Safety: Your Most Overlooked Profit Center For decades, many businesses operated on a simple philosophy: “Production at all costs.” The goal was to get the job done fast, because you don’t get paid until the project is complete. Safety was often an afterthought, and the cost of that mindset showed up in workplace injuries […]

The 5 Factors Driving Up Your Workers’ Comp Costs (And What to Do About Them) While workers’ compensation rates have been stable or even falling in many states, the cost of an actual claim is rising. Make no mistake: your insurance premium is not a fixed cost. It is a direct reflection of your company’s […]

A Leader’s Guide to Preventing Winter Workplace Injuries Winter weather introduces predictable risks to your business. Ignoring them is a financial gamble. With employee turnover higher than ever, you likely have inexperienced team members who are less familiar with seasonal safety protocols. It’s time to prepare. The four most significant winter hazards are slips and […]

Calculating the True Cost of a Bad Hire A bad hire is one of the most expensive and preventable mistakes your business can make. The financial impact extends far beyond the employee’s salary, affecting productivity, team morale, and your bottom line. This isn’t an issue reserved for large corporations or specific industries. The consequences are […]

Remote Work and the Law: Two Rulings Employers Cannot Ignore The shift to remote work has created significant legal gray areas. Old laws, written for physical offices, are now being tested in court, and the results have critical implications for your business. Two recent court decisions highlight the risks of ambiguity around a remote employee’s […]