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Helping Agents Save Their Clients

Work Comp Agents, Hard to place work comp

We love opportunities to help insurance agents avoid unnecessary woes with workers’ comp shopping. No matter the size of the client.

Last week we spoke with an insurance agent who does not work in the work comp industry, but had a client who now needed coverage for comp.

His client had been with him for many ...

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California Experience Rating

The Insurance Commissioner recently adopted changes to California experience rating (X-Mod).

Under the new California Experience Rating Plan (2019) only the amount of each of your claims, up to your primary threshold, is used in the X-Mod computation.

California experience rating mod formula

These changes make it easier for employers to understand:

  • How reducing workplace injuries will reduce their premium cost
  • The importance of reporting all claims

The new formula ...

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The Easiest way to keep Construction Companies in Compliance

We keep construction companies in compliance!

Get proper directions to find the solutions to stay in compliant with local, state, and federal laws.


The rapid population expansion in Florida has been problematic in many areas. Of particular concern, is the effect it has taken on the construction industry.

Many small contracting companies start with an opinion that their skills and knowledge are enough ...

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Georgia Workers Compensation Requirements

Frequently Asked Questions (FAQ) about Georgia Workers’ Compensation Insurance


  • How many employees must I have in order to be required to provide workers’ compensation insurance?

If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits.


  • Does this include part-time employees?
    Yes, as long as they are regular.


  • What do you mean by “regular” part-time employee?
    A regular part-time employee works regularly on a part-time basis. Such as employees who only work on weekends.


  • If my business ...
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Florida Workers Compensation Requirements

Employers’ Requirement to Carry Workers’ Compensation Insurance in Florida.

Employers conducting work in the State of Florida are required to provide workers’ compensation insurance for their employees. Specific employer coverage requirements are based on the type of industry, number of employees and entity organization. To determine coverage requirements for a specific employer, the following information is provided by the Bureau of Compliance.

Need assistance with Florida Workers Compensation? Contact us or call 1-866-864-5684.

  • Construction Industry – One (1) or more employees, including ...
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North Carolina Workers Compensation Requirements


Employers’ Requirement to Carry Workers’ Compensation Insurance in North Carolina.

The North Carolina Workers’ Compensation Act requires that all businesses that employ three or more employees, including those operating as corporations, sole proprietorships, limited liability companies and partnerships, obtain workers’ compensation insurance or qualify as self-insured employers for purposes of paying workers’ compensation benefits to their employees.

Need assistance with North Carolina Workers Compensation? Contact us or call 1-866-864-5684.

Exceptions to this requirement include (a) employees of certain railroads; (b) casual employees, ...

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Florida state unemployment taxes unchnaged for 2018

Florida State Unemployment Taxes Unchanged for 2018

For a third year in a row, Florida Businesses will not see an increase in their Florida state unemployment taxes. The unemployment tax rate will continue to be a minimum of  .0010% ($7) or a maximum of 5.4% ($378) per employee per year.

Employers who are at the maximum tax rate of 5.4% will continue to pay $378 per employee per year (this amount is capped by Florida law). The first reemployment tax return for calendar year 2018 will be due ...

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