Business Insurance

Make sure your apartment manager is covered for Workers' Compensation Insurance. It is the law even if you give them free or reduced rent you MUST provide them this coverage. You may be fined up...

In the United States, the government requires businesses to have a Federal Employer Identification Number (FEIN). This 9-digit number, often called a "tax ID number," classifies a company for tax...

Although worker's compensation claims are handled differently in each state, the definition of work injury remains relatively identical throughout the United States.

Natural disasters, injuries to customers or employees, mistakes and automobile accidents all can cause monetary losses to your business. Fortunately, business insurance is available to help...

Stop gap insurance means many things to different people. Some individuals think it means gap coverage to supplement Medicare. Stop gap insurance, however, is coverage required by businesses to...

Workers' compensation is a benefit designed to replace income lost due to injury and recovery time. It also limits lawsuits against an employer from injured employees. State laws dictate the...

The cost of workers' compensation is determined by rates that are set or approved by each individual state. Rates are typically set based on the frequency of injuries that occur on the job and the...

Businesses face many risks and as a result need various types of insurance coverage. Most types of businesses will require a policy that contains liability and property insurance. A...

Some employers feel like workers' compensation is a guaranteed payout system with very little benefit to them. It is for this reason that many employers are taking steps to manage workers'...

What The Insurance Companies Don’t Want Your Business to Know about Workers’ Compensation Do you know how many states in the United States allow a business to go without mandatory workers’...

If you are a small business, the odds are that your state requires you to provide worker's compensation insurance to your employees. This is work insurance that covers any sort of job-related...

Workers Compensation Insurance provides benefits for independent contractors and employees of companies within the United States. Coverage includes wage reimbursement (full or partial), medical...

An Experience Modification Rate (EMR) is a method of determining workers' compensation premiums for businesses. A mathematical formula is used to calculate the rate on an annual basis, and your...

Commercial insurance protects a business owner against losses resulting from unforeseen circumstances. There are three general classes: property insurance, which would protect against such things...

Employers purchase workers' compensation insurance to protect themselves and their employees. It provides coverage in the event an employee becomes injured on the job or contracts an...

If you become injured while working on the job, you may be entitled to worker's compensation benefits. Your employer pays you worker's compensation benefits, but in exchange, you agree not to sue...

Liability insurance is designed to protect individuals or corporations when they are at fault for an accident or loss. When a loss occurs, the injured party files a claim with the insurance...

Workers compensation is designed to compensate employees for injuries received while on the job regardless of fault. Before workers compensation laws where established, workers were at an...

According to Occupational Safety and Health Administration (OSHA) 2007 statistics, there were 5,488 workplace fatalities in the United States. The top workplace accidents causing injuries or...

Discover how to lower your experience modification rating. If you are one of many people looking to increase the profitability of your company then it is highly recommended that you maximize your...

Learn how to lower your workers compensation rate. With the growing economic problems that all businesses are faced with these days, it is becoming increasingly important to maximize profit in...

If you work in health care in PA and are having problems with workers compensation carriers paying your claims in a timely manner, read this to be sure you billed correctly and what steps you can...

Corporations benefit from purchasing liability insurance because it protects them and their assets in the event of a lawsuit or claim. With liability insurance coverage in place, business owners...

Worker's compensation insurance is required in almost every state, but policy rates, coverage and the way in which claims are filed may vary. Before purchasing worker's compensation coverage for...

The application process to obtain a worker's compensation insurance policy is quite easy. Many large insurance companies allow their potential customers to download and fill out application forms...

The purpose of worker's compensation insurance is to provide benefits, medical treatment and salary--usually at a reduced rate--to an employee who has been hurt on the job. To receive these...

Many insurance companies with online presences offer "fast and easy" price quotes for various policies. Worker's compensation insurance is no exception. To get a quick quote, all you will usually...

As a business owner, you are required by law to provide worker's compensation coverage in some form to your employees. You will want to select an insurance agent who has your best interests in...

Worker's compensation insurance, sometimes referred to as "workman's comp," is an insurance policy designed to protect an employee in the event of an on-the-job injury. Almost every state requires...

Whether you are a business owner that needs to insure employees or an employee making sure that your insurance needs are met, understanding rights and coverage under worker's compensation...

You fall at work and sprain your ankle. You have chronic back pain due to overuse or misuse for an extended period of time while doing your job. You have developed lung cancer or some other...

The United States workers' compensation system is regulated at the state level. This means that each state has its own workers' compensation law. These laws are designed to assist employees who...

Most employers are required to maintain workers' compensation insurance to cover any employee injuries and illnesses suffered on the job. Your company’s specific insurance needs will be based on a...

Determining how much insurance a business needs is an exercise in risk management. Business owners must acknowledge risks exist, and then determine if those risks are manageable. A business needs...

A workers' compensation insurance policy is a key component of your company’s risk management system. An effective insurance provider can help minimize costs and liabilities, so shop around and...