The Myth That Cost Him Thousands Brian thought he had everything under control, tight crew, safe workspace, no drama. Like a lot of business owners, he brushed off what he saw as just another expense. “We don’t do anything dangerous.…

The Unexpected Bill That Woke Brian Up Brian didn’t think much of the envelope when it showed up in his Monday morning mail pile. Just another renewal, probably. But the number at the bottom made his stomach drop. His workers…

Why Job Descriptions Matter in Workers’ Comp When it comes to workers’ compensation, one of the most overlooked details is the job description. Most business owners focus on premiums, not paperwork, but vague or outdated descriptions are often the root…

What Is a Workers Comp Experience Mod and Why It Matters If you’ve ever opened your workers comp renewal and wondered why your premiums shot up, or why a friend in the same industry seems to be paying less for…

Workers comp audit prep probably isn’t on your list of favorite things to do, and you’re not alone. For most business owners, that audit notice shows up out of nowhere, and the immediate reaction is a mix of confusion, dread,…

What’s Hiding in Your Policy? Most business owners don’t think twice about their workers comp annual review, until something goes wrong. Maybe it’s a surprise audit. A denied claim. Or a premium spike that no one saw coming. These are…

The Surprise No Business Owner Wants Workers comp exclusions can feel like the fine print nobody warned you about, until something goes wrong. When Sam, a roofing contractor with five full-time employees, got the call that one of his workers…

The First 24 Hours Matter Most Here’s a cold truth: the way you handle post-injury workers comp support in the first 24 hours says more about your business than any safety slogan on the breakroom wall. The injury itself? That’s…