It is hard to believe we have to talk about this, but given the world we live in, it may be time to address this situation.  Our thoughts and prayers are with all the families that have suffered loss from shooting situations.  We hope you and your family never has to deal with these situations, […]

Ministry Insurance Update Is your ministry prepared to undertake new overtime rules that will be set into place on December 1, 2016?  If you are fined because of non-compliance, your business insurance will not provide coverage.  Business insurance policies are not designed to cover government fines. The US Department of Labor (DOL) released the final rule that […]

It is a fact that many employers actually overpay for their workers’ compensation premiums.  According to the latest reports, employers are paying around 20% more in surcharges than they need to. Most surcharges come from increases in the experience modification factor (mod). The experience mod is a factor unique to each employer. In simple terms, […]