If your Church has employees, you may be required to buy workers’ compensation insurance. Some states do allow people to opt out of the system if they can prove financial responsibility, but that is only in two or three states in the entire country. If you have employees, you are most likely required to carry […]
Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums. Workers’ Compensation Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day […]
Business owners go to great lengths to provide a safe working environment for their employees. However, when dealing with humans, accidents can happen, and Workers’ Compensation Insurance can help. Workers Compensation Insurance should be an important part of every risk management program. What Is Workers’ Compensation? Workers’ compensation insurance is insurance that provides lost income, […]
A Business Insurance Update We don’t expect you to be experts in business insurance, but we thought it might be fun to test you on what you do know about your business insurance. Business insurance is designed to cover unexpected losses. We can offer a wide range of business insurance options, so please call our […]
Church Insurance update This is the time of year when your business will be hiring part time workers to help you manage the holiday season. For the most part, you will not need to modify your business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance. Now might be […]
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, […]
For the most part, employees come to work ready to work hard, deliver good customer service and help the company grow. We all want our jobs and careers to be fulfilling, and even more; we want to be valued for what we do. Recent studies tell us that over 70% of people desire regular feedback […]
Many ministries are getting ready to hire summer interns. These internships can be rewarding for the college student as well as provide some help to the ministry. Offering paid or non-paid internships can create risk for your church. If the interns are receiving wages, they will be considered employees of the ministry, and eligible for workers’ […]
Workers’ compensation insurance is insurance that provides lost income, medical benefits, disability benefits, and rehabilitative services for workers injured on the job, or while performing work-related duties. As a business owner, you go to great lengths to provide a safe working environment for your employees, but when dealing with humans, accidents can happen. That is […]
Misclassification of contractors and employees can be a problem when it comes to workers’ compensation and employment laws. The Department of Labor (DOL) is cracking down on employers who misclassify independent contractors who really should be employees. If you are an employer who hires contractors, the DOL has issued new guidelines to help you. The […]
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