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Final Audit Preparation – Reason #1,093

The California Workers Compensation Insurance Rating Bureau will not include estimated payrolls in an experience modification (ex mod) calculation. If a final audit is late the Bureau will process the worksheet without the payroll data for that policy period however they will include the claims.  Obviously this will wreak havoc on an ex mod...

Non-Profit Use of Non-Owned & Hired Autos

Have you thought about (and planned for) what one of the main exposures is to a church and/or non-profit organization?  Sometimes "lost in the cracks" of a church's ministry is the use of personally owned autos for "church business". Just because the auto being used in your business is not owned by the church...

Why are Work Comp Rates going Up?

California Work Comp rates are being raised by most insurance companies. Business owners are in a position of trying to deal with declining revenues and increasing costs. In many cases, payroll reductions have actually driven the total insurance premium cost down, but the actual rates on the payroll you have left is going up....

Work Comp for Dentists

What is it that a Dentist wants from his Workers Comp?  As most dentists never use this State Mandated coverage, I assume that what they want is the lowest rate possible.  Do you agree? For 15 years I have worked hard to provide dentists with the lowest cost Workers Compensation Insurance...

California Commercial Applicator Insurance

For the Commercial Applicator, unlike any other profession, the Calif. Dept. of Pesticide Regulation not only mandates insurance limits in order to obtain & maintain the applicator's license, they also define the coverage required. The three points of coverage are: 1. Covers crop or landscape or property damage as a result...

Return-to-Work Programs Always Work

The cost of not working with your medical provider to have a comprehensive, full pay, return-to-work program is always a lot more than most of my clients would predict. When a claimant is not offered modified or light duty during a claim, the life of that claim is extended greatly and...

GuideOne’s Faith Guard Policy

Big News for buyers of church insurance!  GuideOne Insurance has updated their church insurance policy form effective December 1st, 2009 for new and renewing policies.  In their continuing effort to remain the leader in church insurance, GuideOne's Faith Guard policy replaces their tried and trusted Cornerstone Plus form. I have personally done...