Placing your work comp clients with the state fund, is it worth it?

Getting work comp coverage with the state fund

Do the commissions justify the paper work? How to get more reward from your hard-to-place work comp clients.

Sometimes we all need to know when to cut our losses and move on. However, that’s easier said than done. As a work comp insurance agent, you occasionally deal with people who own or operate companies, with employees, with losses (shock losses), and sometimes choose to perform risks that normal underwriters just won’t even return your calls or emails on.

So, what do you do? You’re stuck, right? Wrong! If you’re a savvy insurance agent, then you know there’s always a way via your state insurance fund. Now I’m going to wager if you know about the state insurance fund, then you know you can also refer to it as a ton of paperwork.

The state fund requires you to get the answers to a million and one questions and after all the questions are answered they then come back to you with a huge inflated premium amount that your client either has to pay or risk going out of business, by losing business due to lack of proper work comp coverage. This on some levels is almost as close as you can get to feeling what its like working a deal with the mob.

Now, if you’ve been persistent or lucky enough to reach the point where your client can afford to pay the over inflated premium and you still have all your hair. You can then look forward to receiving a nice commission from the aforementioned premium. After all, you did all the wok and got the deal done. Right, wrong again!

The agents placing their high-risk clients with the state are lucky to see three percent in commissions for all their hard work.

Let’s put that into perspective. At 3%, a $30k premium would only net you $900. And if you must split that with your agency then you can do that math.

Simple Work Comp is an alternative wholesale broker that provides professional work comp quote services to agents and brokers across the country.

We help agents keep their clients out of the state fund by trying to secure the best rates. On average our agents can save their clients as much as 40% off of premium and still could earn more in commissions than if they had placed their client with the overpriced state fund.

Avoiding all the work and sparing their clients the proverbial hoops and hurdle jumping.

Simple Work Comp makes it easy for insurance agents to submit their risks and get answers on available work comp coverages for their clients.

If you’re an agent and have clients that are in the state fund or are unquotable for whatever reason, contact us for assistance.

Thousands of insurance agents have trusted us to help them secure standard and alternative pay-as-you-go workers’ compensation insurance solutions for over twenty years.

Overpriced state fund options with low low low commission percentages doesn’t have to be the norm and can be a thing of the past. Contact us today for a simple solution to your state fund woes.


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 years and because of this, the agent was a bit weary of having his client shop around by himself and being prospected for other aspects of his insurance at the same time.

His client is a small business. The kind of small business where no one stood to earn any real commission off of their policy. However our policy is to do our best to help all businesses no matter how big or small.

After a brief phone consultation with the agent, we got underway searching for the best policy that would fit his client’s needs.

A couple of calls, emails, and clicks later to our markets, we were able to find solution which worked out for his client.

At Simple Work Comp we value our relationships with our insurance agents, because without them and our good relationships, we would have no real business.

Our number on goal is to lend our experience to agents in need when needed. No strings attached. (Agent Protection)

So without any major headaches (for the agent or his client), Simple Work Comp was able to help his client find the best coverage possible.

If you are an insurance agent and could use help with clients needing comp or if you just have questions about workers’ comp insurance.

We are always happy to help.

We have over 80 years of combined workers’ comp experience and have pioneered the methods used today to save businesses on workers’ compensation insurance.

High-Risk, hard-to-place, new ventures, non-renewals, and more.

Learn more about our agent partnerships here:


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 excludes the first $250 of each claim from the X-Mod computation. This change removes any experience rating incentive to not report the cost of small or “first aid” type claims to your insurer. The new California experience rating simplified formula also places a clear and direct emphasis on reducing the occurrence and cost of workplace injuries as reflected in the actual primary losses.

Contact us regarding your California Workers’ Comp and Experience Rating

Definition of Terms

  • Actual primary losses
    Equal to the cost of losses incurred with each loss limited to a policyholder’s primary threshold
  • Expected excess losses
    Equal to the average losses expected for businesses of similar size and industry in excess of the primary threshold
  • Expected losses
    Equal the total losses expected for businesses of similar size and industry

Frequently Asked Questions

How does the $250 loss exclusion work?
Under California’s Experience Rating Plan only the amount of each of your claims, up to your primary threshold, is used in the X-Mod computation. With the $250 loss exclusion, that amount is reduced by $250. For example, if you have a $10,000 primary threshold and a single claim of $5,000, the amount used in the X-Mod computation is $4,750. If you have a single claim of $15,000, the amount used in the X-Mod is your primary threshold ($10,000) less $250, or $9,750.

Is the first $250 excluded from all claims?
Yes, any claim incurred against policies incepting during the experience period for your 2019 experience modification, which includes 2015, 2016 and 2017 policies, will be used in the X-Mod computation at $250 less than its reported value.

What if I file a claim that’s valued at $250 or less?
A claim with a reported cost of $250 or less will continue to be shown on the experience rating worksheet, but will not be used in any way in the X-Mod calculation.

If I only have one claim over $250 during the experience period, do claims valued at $250 or less affect the 25 point cap to my lossfree X-Mod?
Any claim of $250 or less will not be considered in the determination of whether the single claim cap of 25% applies. In other words, if you have two claims during the experience period and one is reported at $250 or less, the single claim X-Mod cap of 25% will still apply.

Does the simplification of the formula affect my X-Mod?
No. It does not change the X-Mod value.

Can I lower my X-Mod if it is too high?
Yes! Simple Work Comp has programs in place that (if accepted to the program) can lower your California Experience Rating.

Please contact us for inquiries regarding lowering your X-mod and getting discounts on your workers’s comp insurance and unemployment taxes.

Source: WCIRB

how to lower your mod, lower work comp, simple work comp,

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 to fulfill a niche that will make them successful business owners. However, they end up failing because they didn’t have enough capital to start or the proper direction to find solutions to keep in compliance with Florida Law and the Department of Revenue.

Becoming a small business owner requires them to become small business employers – responsible for being aware of employment-related laws and regulations. Keeping in Compliance with things like AHCA- Affordable Healthcare Act, FUTA – Federal Unemployment Tax Account, IRCA – Immigration Reform and Control Act, IRS, OSHA, and there are 23 more as well.


Do you work for or own a Construction Company in Florida? If so, Call Simple Work Comp to get a quick no-cost consultation on how to stay compliant without any worry or effort.

We’ll review your current policies and determine if you can save more money. 

Why would Florida Regulators be comfortable with referring PEO’s?

PEO’s provide economical workers’ comp for small contracting groups as small as one employee. They are continually monitored by the Dept. of Business and Professional Regulation, Dept. of Wage & Hour, Dept. of Financial Services and Office of Insurance & Regulation. In cooperation with regulatory associations, the risk management team provides lists of insured employees (on payroll) to general contractors and regulators upon request.

What exactly is Employee Leasing?

Also referred to as Professional Employer Organizations (PEO), Employee Leasing Companies assume the workers’ compensation liabilities and payroll financial responsibilities for businesses, allowing the business owners to focus primarily on what they do best… build business and serve clients and customers better.

Worker’s Compensation Advantages:

No annual large down payments required, Lower worker’s compensation costs, No audits or penalties, Relief of fraudulent worker’s compensation claims.


Payroll Advantages:

Relief of payroll tax deposits, Relief of unemployment claim administration, On time and accurate payroll checks and reports, Payroll registers (proof of who’s covered.), Relief of filing 940’s, 941’s and UCT-6 forms, Year-end W-2 processing.

Lower costs (checks, computers, software, etc.)

Employee Benefit Advantages:

Lower health insurance premiums, Expanded employee benefits, and options, Increased employee productivity, Reduction in employee turnover.


Compliance Advantages:

EEOC Compliance, Wage and Hour Compliance, Employee discharge, Dealing with the problem employee, Up-to-date awareness of changes in employment-related laws and regulations.

Do you work for or own a Construction Company in Florida? If so, Call Simple Work Comp to get a quick no-cost consultation on how to stay compliant without any worry or effort.

Request a Quote  or  Call 1-866-684-5684


Get out from under your HIGH MOD – How to lower your MOD

Simple Work Comp has worry free solutions to help you lower your mod.

Contact us today If your business has suffered losses due to excessive claims and has a mod that exceeds 1.0.

how to lower your mod, lower work comp, simple work comp,

Contact Simple Work Comp to find out how.

What is MOD?

Mod or xMod stands for experience modifier or experience modification. It is an adjustment of an employer’s premium for workers’ compensation coverage based on losses experienced. A mod of 1.0 is applied to an employer who has demonstrated the actual expected performance. Poor losses and excessive claims experience leads to a mod greater than 1.0. Which can result in higher premium costs or can even result in an employer losing coverage completely. Employers with better experience (no losses, no claims, clean) can obtain a mod less than 1.0; and can enjoy paying less than average for the coverage. An employer’s mod is typically determined by the last three years of experience; however, some carriers may choose to look further past three years.

How to lower your mod

If you lower your mod you can save money on your workers’ comp, so there no reason why you wouldn’t want to lower your mod. Even if you already have a 1.0 mod. Simple Work Comp has worry-free solutions to help you lower your mod. We understand most business owners get into business to run a successful business. Later on they realize they have to choose between spending their time and more money on managing tedious administrative tasks to keep their costs down and remain compliant.

Rather than adding additional hoops for you to jump through; Simple Work Comp consultants can help you eliminate hoops and learning curves by utilizing industry proven programs which will keep you compliant and get you on the path to lowering your mod.

Stop paying more, start paying less

Stop searching for DIY solutions that will cost you more time and more money. Contact us today and speak with an experienced work comp consultant (1-866-684-5684) who will answer all your questions and concerns regarding your mod.
Simple Work Comp’s consulting services are free to employers and agents, as we receive compensation from our nationwide network of partner markets.

Don’t pay any more than you have to; take control over the determining factor of your work comp costs.

Definition: Experience Rating


Helping agents with hard-to-place risk clients for over 20 years

If you’re an insurance agent with hard-to-place risk clients with large losses, lapse in coverage, facing non-renewal with the inevitability of having to bite the over priced state pool bullet; keep calm, Simple Work Comp can help.

Solutions for hard-to-place risk clients

For over twenty years Simple Work Comp has been helping insurance agents retain their hard-to-place risk clients with our successful High-Risk Work Comp Solutions Program.

While not every account can be saved, there is a high chance of us turning your unwritable risk clients into long-term money makers without ever having to break a sweat.

The process is simple, contact us with a submission, answer a couple of questions and we’ll find you an affordable option to take back to your hard-to-place risk client. We’ll do all the work.

In the end, your clients will have the coverage to continue running their operations and you as the agent on record will receive monthly commissions on what would have been lost clients.

So, if you’re at risk of losing your clients to the over inflated state pool or another agent who’s selling them pipe dreams; you literally have nothing more to loose and everything to gain by contacting Simple Work Comp.

Our sole goal is to find and affordable work comp solutions for you to retain your clients.

or call toll free 1-866-684-5684


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 is incorporated, am I or my fellow officers considered to be employees of the business?
    The corporation is considered to be the employer and all officers are considered to be employees of the business.


  • Can officers waive coverage on themselves?
    As many as five officers may waive coverage on themselves. Each such officer must complete and sign a form WC-10 and file it with their insurance carrier.


  • If one or more officers waive coverage, does this exempt them from being counted in the “three or more employees” rule? (See FAQ 1)
    Officer exemptions do not reduce the number of employees of the corporation.


  • What if I am operating my business as a sole proprietorship or partnership?
    The Georgia Law considers sole proprietors and partners to be employers not employees, just the opposite of corporations. However, they can elect to be covered as an employee by advising their insurance carrier in writing.


  • Can I purchase insurance from the Georgia State Board of Workers’ Compensation?
    The Georgia State Board of Workers’ Compensation does not sell workers’ compensation insurance.  Contact Simple Work Comp for more information regarding Georgia workers compensation and your assigned risk pool.


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


  • Does Georgia have a State Fund?


  • Does being self-insured mean that I don’t have to purchase workers’ compensation insurance, and that I put the money in the bank to pay for my employee’s workers’ compensation injuries?
    In order to be self-insured, you must be approved as a member of the Georgia Self-Insurers Guaranty Trust Fund and certified by the State Board of Workers’ Compensation.


  • I am concerned about my rating. Can you help?
    Yes, contact us and we’ll be glad to help you with your rating.


Contact Simple Work Comp for information on Georgia workers’ compensation requirements. 1-866-684-5684


Simple Work Comp offers affordable workers compensation to thousands of businesses, and free workers compensation policy reviews as a courtesy to business owners.  Have your existing workers compensation policy reviewed by one of our workers compensation insurance experts; a no-pressure complimentary service.

Knowledgeable consultants are standing by to deliver fast, accurate, affordable workers compensation quotes.




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 the owner of the business who are corporate officers or Limited Liability Company (LLC) members. For a list of the trades considered to be in the construction industry see 69L-6.021 Florida Administrative Code.
  • Non-Construction Industry – Four (4) or more employees, including business owners who are corporate officers or Limited Liability Company (LLC) members.Please note: Non-construction industry Sole Proprietors or partners in a Partnership are not employees unless they want to be included on the business’ Workers’ Compensation Insurance policy and file a form DWC 251 PDF with the Division of Workers’ Compensation.
  • Agricultural Industry – Six (6) regular employees and/or twelve (12) seasonal workers who work more than 30 days during a season but no more than a total of 45 days in a calendar year.
  • Out of State Employers must notify their insurance carrier that they are working in Florida. If there is no insurance, the out of state employer is required to obtain a Florida Workers’ Compensation Insurance policy with a Florida approved insurance carrier which meets the requirements of Florida law and the Florida Insurance Code. This means that “Florida” must be specifically listed in Section 3A of the policy (on the Information Page). Get a quoteAn Extraterritorial Reciprocity clause in the home state’s statute allows some out of state Employers to work in Florida temporarily using their home state’s Workers’ Compensation insurance policy.
  • Contractors are required to make certain that all sub-contractors have the required Workers’ Compensation Insurance before they begin work on a project. To see the documentation that is required from a sub-contractor, see 69L-6.032 Florida Administrative Code.If the sub-contractor does not have Workers’ Compensation Insurance for its employees, those workers become the employees of the contractor. If an injury occurs, the contractor is responsible for paying the benefits for the work related injury, illness or fatality.

Exemptions are available to business owners who opt out of the insurance coverage protections for themselves and who meet the requirements for an exemption.

Contact Simple Work Comp for information on Florida Workers’ compensation requirements.


Simple Work Comp offers affordable workers compensation to thousands of businesses, and free workers compensation policy reviews as a courtesy to business owners.  Have your existing workers compensation policy reviewed by one of our workers compensation insurance experts; a no-pressure complimentary service.

Knowledgeable consultants are standing by to deliver fast, accurate, affordable workers compensation quotes.



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, i.e., persons whose employment is both casual and not in the course of the trade, business, profession or occupation of the employer; (c) domestic servants directly employed by the household; (d) farm laborers when fewer than 10 full-time, non-seasonal farm laborers are regularly employed by the same employer; (e) federal government employees in North Carolina; and (f) “sellers of agricultural products for the producers thereof on commission or for other compensation, paid by the producers, provided the product is prepared for sale by the producer.”

  • Businesses in which one or more employees are employed in activities which involve the use or presence of radiation are required to have workers’ compensation coverage.


  • Individuals who are sole proprietors, members of LLCs, and partners are not automatically counted as employees. Corporate officers may elect to be excluded from coverage but are still counted in determining whether a business has three or more employees. Executive officers, directors, or committee members of a non-profit corporation are also not automatically counted as employees so long as they meet certain requirements under the North Carolina General Statutes.



  • An employer is not relieved of its liability under the Act by calling its employees “independent contractors.” Even if the employer refers to its workers as independent contractors and issues a Form 1099 for tax purposes, the Industrial Commission may still find that the workers were in fact employees based upon its analysis of several factors, including but not limited to the degree of control exercised by the employer over the details of the work.


  • If you subcontract work to a subcontractor who does not have workers’ compensation insurance, you may be liable for the work-related injuries of the subcontractor’s employees, regardless of the number of employees you or the subcontractor employs. For information on workers’ compensation requirements in the trucking industry, please click here.


If You Fail to Carry Workers’ Compensation Insurance, You May:

  • Face stiff financial penalties;
  • Be charged with a misdemeanor;
  • Be charged with a felony; and
  • Be imprisoned


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