Return to Work – Do I Need an Offer Letter?
Why do I need to have an offer letter that’s offering a person a light-duty job for my return to work program? We get this question all the time. The answer is simple, attorneys. You have to have it for…
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Category Commercial Insurance
All blogs relating to commercial insurance.
Considerations When Choosing a Workers’ Comp Dividend
All Dividends are Not Created Equal All dividends on worker’s comp policies are not created equal. I don’t care what your agent’s telling you, it’s simply not the case. There are a lot of things to consider when you get…
What is Return to Work?
What is return to work? Return to work is a program that is designed to get an injured worker back on the job as soon as possible. It’s great for several reasons. It Benefits Your Company Culture First, it helps…
What is Coinsurance
What is coinsurance? Oh, my goodness. We have copays, coinsurance, all of this stuff on the medical side and now you’re throwing it at me in my property and casualty insurance? I don’t get it, and I don’t want to.…
The Indirect Costs of Worker’s Compensation Claims
Today I want to talk to you about the indirect costs associated with your workers’ compensation program that you probably don’t know. See, everybody focuses on their premium, and in Florida, that’s easy to do because we all know that…
The Workers’ Compensation Experience Modifier
What’s the worker’s compensation experience modifier, you ask? The short answer is it’s your report card. In the State of Florida, the state tells us what the rates are for each class code of workers’ compensation insurance. To make it…