A Workers’ Comp policy is a contract between an insurance carrier and employer. The Workers’ Comp policy has the same parts as any liability policy – Declarations, Inclusions, Conditions, Exclusions, and Endorsements. Endorsements are changes to a policy once written.
Workers Compensation Policy = Contract? We received this question on the similarities or differences between a Workers Compensation policy and a contract two weeks ago.
Paying More Per Unit of Risk- Small Business Workers Comp Policies Where can I find small business Workers Comp coverage? Are there any less expensive
Workers Comp Large Deductible Programs – 2023 Resolutions Every year J&L provides resolutions for regular voluntary market policies and self insureds. During a recent phone
How Can Workers Comp Policy Changes Occur? Only One Way – See How Workers Comp policy changes are a part of having coverage in place.
Workers Comp Embedded Insurance Program To Other Policies Can Workers Comp embedded insurance cause problems later? When I was looking over the usual morning publications
Exclusions In My Insurance Policy – Look For The First E in DICEE. The article comes from a reader’s question – where are the Exclusion
Large Deductible Workers Comp Policies May Require 50% Allocated Expense Payment We often perform workers comp policy reviews as part of our premium reduction consultant
Worker’s Comp Policy Questions Received From Readers and Google Searchers The number of Worker’s Comp policy questions we receive by email, contact form, and phone
Article Reader Asks Good Basic Question on Guaranteed Cost Program What is a guaranteed cost program? Is that the type of policy I have in
Workers Compensation Large Deductible Policies – Are They A Bargain? Are Workers Compensation large deductible policies worth a look for cutting costs? One great way
Workers Comp Endorsements Are Worth a Look The Endorsements section of a Workers Comp policy is not actually a section. Endorsements on any policy
Policy Endorsements vs. Dec Page Repetitive Workers Comp policy Endorsements are one of the 10 Red Flags To Possible Overcharges. The Policy Dec Page (also
Work Comp Policy Should Be Read In-house Reading your work comp policy may not seem really worth your time. After all, is that not your
Five Minutes Of Work Can Spot Ghost Policies Ghost policies for Workers Comp coverage have been in existence for quite some time. I have seen
Employer With Large Deductible In For A Possible Surprise I received a phone call over the recent holiday from a previous client. The company had
Employer Received Cancellation Notice Cancelling Workers Comp Policy A Cancellation notice cancelling a workers comp policy by a Workers Comp carrier can be a frightening experience for
Term Of The Day – Carve Out Workers Comp Carve Out tis a hybrid benefit package that applies to just the Workers Comp Policy. An
Mid-policy Assessments and Endorsements We have received a larger than normal number of calls and emails on mid-policy assessments and/or endorsements. A mid-policy assessment or
Your Workers Comp Policy – A Different Approach Read your Workers Comp Policy the opposite way. One of the areas of Workers Comp policies where
Workers Comp and Expansion Into Other States The 10 things to remember in Workers Comp and Expansion into other states. After talking with a few
Your Workers Comp Dec Page – Meat Of The Sandwich Your Workers Comp Dec Page – know it or pay more premiums (sometimes a large
Workers Comp Declarations Dec Page Is the Workers Comp Declarations Dec Page really that important? I have often been asked by our clients what to
Declarations Page – Critical Workers Comp Term The Declarations Page is the first page of an employer’s Workers Compensation Policy. The Workers Compensation industry term
Term of the Day – Guaranteed Cost A guaranteed cost plan is the most predictable type of insurance policy. In these policies, the premium is a
Employer’s Liability Part B on Policies Employer’s Liability Insurance is an additional part of Workers Comp Insurance policies. While Workers Comp Insurance is designed to
Opting Out of WC Coverage Using Ghost Policies A subcontractor opting out of workers comp coverage can be tricky, to say the least. I received
Large Deductible Programs Reviewable For Premium Recoveries Most Large Deductible Programs were ignored by auditors in the employer premium recovery industry for many years. We
WC Policy Recession Proof Using Accuracy A Question From One of the Blog Readers – How do I recession-proof my workers’ comp policy? The easiest
Retro Policies Blog Readers Question A Great Retro Policies Question From One of Our Blog Readers – My company has a 5-year Retro Policy. For
Workers Comp Policy Mistakes Occur More In These Employers Workers Comp policy mistakes can be very expensive for employers no matter the source of the errors.