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March 23, 2010 True Pay As You Go Workers Comp

Van Beurden Insurance Services, Inc. and Payality, Inc. are proud to announce the introduction of a true "pay as you go" Workers Compensation product.  This is a very important development for both firms and will serve as an excellent management tool for our clients. The "pay as you go" product

March 15, 2010 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

March 10, 2010 Sent to collections for unpaid Workers Compensation medical bills?

I received a call yesterday from a client that was upset because their company was sent to collections for unpaid workers compensation medical bills. The language in the letters from the collection agencies are very threatening to you and your company. With the current economic times and credit rating being a

March 2, 2010 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

February 26, 2010 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.

February 26, 2010 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

February 22, 2010 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

February 17, 2010 Targeted Inspection and Consultation Assessments 2010

On March 1st 2010 Cal-OSHA will mail assessments to employers with experience modifications of 125% or more as of 12/31/2009. Payment is due in 30 days or turned over to the State Franchise Tax Board for collection. The amount of the assessment is determined by the annual payroll generated in

February 12, 2010 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