Commercial Insurance

Traditional workers’ compensation billing starts with an estimated annual payroll: you pay a deposit and installments based on a projection, then a premium audit reconciles actual wages and subcontractor payments…

Workers’ compensation Coverage A (Part One) pays statutory benefits—medical care and wage replacement set by state law—without requiring the employee to prove fault or sue. Coverage B (Part Two, employer’s liability)…

In four U.S. states—North Dakota, Ohio, Washington, and Wyoming—private workers’ compensation insurance does not exist. Employers buy statutory coverage from the exclusive state fund, report payroll or hours, and let…

NCCI workers’ compensation class codes assign a manual rate to each $100 of payroll, so the difference between a carpenter class and an office class is often the largest driver of a contractor’s premium. The…

Your workers’ compensation experience modification factor—often called the ex-mod or mod—is a multiplier on your state-approved manual premium that compares your past loss history to employers with similar payroll…

A workers’ compensation proposal is a premium worksheet, not a policy: it lists the named insured, classification codes, estimated payroll by class, rates per $100 of payroll, an experience modification factor when…

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