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



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 to the Florida Department of Revenue by April 30, 2018 for wages paid in January, February and March.

SimpleWorkComp offers the most affordable and cost effective solutions for your businesses needs.

Minimum Wage Increases January 1st

The Florida minimum wage is increasing to $8.25 an hour on January 1, 2018. The cash wage required for tipped employees is also increasing to $5.23 an hour.
You should have received a new 2018 Florida minimum wage poster. Contact us.

IRS Standard Mileage rate increasing for 2018

The IRS has announced that the standard mileage rate for the use of a car or other vehicle for business purposes for calendar year 2018 will be 54.5¢ per mile.

Need help with state & federal compliance? Simple Work Comp offers bundled pay-as-you-go solutions. Your business can be compliant with state & federal laws.

Source: FUBA


Focus Magazine: Simple Work Comp is a one stop shop for all your workers comp, payroll, and insurance needs.

Earlier this year Focus Magazine wrote an article featuring Simple Work Comp’s Victor Sofia and Samantha Hagy. The article highlights Simple Work Comp’s unique approach to helping businesses find affordable workers’ comp, payroll solutions, insurance, and more.

Simple Work Comp: The Work Comp Specialist

Are you a business owner? If so, Simple Work Comp is the company for you! A one stop shop for all your workers comp, payroll, and insurance needs. Simple Work Comp is a unique company that has been around for almost twenty years.

The company is owned by Frankie VanDeBoe, but Samantha Hagy and Victor Sofia also play a very integral role at Simple Work Comp. Simple Work Comp helps other businesses find affordable workers compensation, payroll, insurance, and more.

According to Victor Sofia, they “really specialize in helping any businesses, even those having a tough time finding coverage.”

One of the great things is that they can help virtually any size business, from a one-man company to one that is 500 men strong. They will “review and analyze what a company is doing, at no charge.” Their goal is to make the lives of business owners easier.

When Frankie VanDeBoe started Simple Work Comp, he had a vision. He believed, and still believes, business owners and people in general need someone who has their best interest in mind.

The company offers so many options, products, and carriers to their clients. “We literally go to bat for them and narrow down the option that works best for them!” explained Samantha Hagy. Simple Work Comp doesn’t just sell things a business needs, they analyze what is a perfect fit for the client and research options that are perfect for that specific company. The best part is – this is all free to the client.

Two of their company’s employees, Samantha Hagy and Victor Sofia have worked at Simple Work Comp for almost 15 years. However, their partnership began only recently. Together, they provide the absolute best of both worlds, knowledge and customer service.


Samantha Hagy – Simple Work Comp

Samantha, one of the company’s longest serving employees, takes care of administrative tasks, sales support, marketing and public relations. She is amazing at connecting with people and has a huge passion for helping others. “No one is better at it than she is”, said VanDeBoe. She keeps everyone organized and makes sure those she meets feel welcome. “Anyone that has a chance to speak with her knows right away she is there to help and will make sure they are taken care of explained Victor Sofia.


Victor Sofia – Simple Work Comp

Victor is a senior consultant and an expert in all aspect of the business. He has a great knowledge of the industry and knows exactly what each company needs. He excels in helping businesses in all 50 states (even the monopolistic ones) and those with difficult multi-state situations.

Of her partner, Samantha shared, “If I had a business in need of workers comp or payroll, he would, hands down, be the person I would call”.

This team provides an expert in the field with incredible experience, and someone who will always go the extra mile to make sure you are happy. With Samantha and Victor, you get the whole package.

“I honestly feel a company is lucky to have these two going to bat for them and they are crazy not to call us,” exclaimed VanDeBoe.

Simple Work Comp loves being able to serve people. Samantha Hagy explained that sometimes the “back office tasks” of businesses can be very stressful. Simple Work Comp loves to “take the burden away and simplify for them (the client), to help them be able to do their jobs and focus on doing what they love and making it profitable,” explained Hagy.

Being able to save a business time, money, and stress is so important to Simple Work Comp.

“The work we do is sometimes the difference between a business being able to operate or being shut down,” Victor said.” With this partnership, you get two people doing their best to help, and to find coverage even when others have given up.”

Simple Work Comp’s office is located in Brandon, Florida, but their clients and services are located nationwide.


Call Simple Work Comp today and discover what they are all about.


They love what they do, the people they work with, and everything about the business. For more information, visit the company’s website at You won’t regret it!



BIGGER ISN’T ALWAYS BETTER – At Simple Work Comp we’re not trying to be the biggest; we’re trying to provide the best services.

The popular ideologies “bigger is better” and “size matters” are how society measures  ‘popularity’ but not necessarily ‘quality,’ especially when it comes to hiring someone to run important departments within a business.

Two of the most recognized human resource management software and service companies are ADP or (Automatic Data Processing) and Paychex. ADP has been around for nearly 70 years while Paychex  has been operating for 46. Both serve and employ all over the globe.

Simple Work Comp offers the same kind of HR-related, payroll and workers compensation services as their competitors (and much more). Which is the reason why most companies who learn about Simple Work Comp choose Simple Work Comp. They’re personable, competitively priced and without any hidden fees.  

Simple Work Comp CEO, Frank VanDeBoe, says when it comes to this specialized industry, size should be the last priority businesses should look for. More moving parts can cause risk for errors and sub-par quality care.

“After 20 years in this industry and starting from scratch, I’ve learned our customers want the personal attention without gimmicks or greed,” VanDeBoe says.

Simple Work Comp is headquartered in Tampa and provides opportunity to all types of businesses to fulfill their payroll, workers compensation, commercial and business insurance, employee benefits, employee leasing and more for an affordable cost.

Vandeboe says a majority of their clientele chose Simple Work Comp’s over the competitors because they weren’t affordable or provided the transparency they thought they deserved.

Vandeboe says he’s used ADP for personal business as a comparison to Simple Work Comp’s menu of services. It’s how he realized that some companies are spending $60-$70 a month per employee just to run their payroll and file taxes. Simple Work Comp provides significant savings. While a high amount of ADP’s clientele are composed of white and grey collar businesses, Simple Work Comp provides service to small-companies and to those with 500+ employees.

“Equal opportunity is out there for anyone and Simple Work Comp has allowed me to not break the bank with only twelve men working for my company,” said Mike Van Eyk.

Van Eyk said he’s been utilizing Simple Work Comp for 18 years when he first opened for business. Van Eyk says what he loves most about SWC over any other of it’s competitors is the personal relationships and level of trust.

“Just knowing I’m not calling a phone bank where I feel like a number is a huge reason I stay. If I have a question I can always call Frankie’s folks without hesitation,” said Van Eyk.

A rather large multi location restaurant chain recently transferred from ADP to Simple Work Comp because they said they were tired of the hidden fees, having trouble calculating their true cost and paying for W-2’s at the end of the year. After realizing the thousands of dollars being saved from filing taxes alone with Simple Work Comp, it was an easy decision to leave ADP.  

A secret to SWC’s success pays tribute to the fraction of overhead they provide for.

Vandeboe says it’s not fair to charge services that he thinks should be included in the final price tag.

“It takes some approvals in as little as 24 hours and some quick quotes in as little as 15 minutes. We serve businesses of any size and provide potential to save thousands thanks to our  trustworthy representatives – who provide access to their direct contact information (day or night). We have successfully served approximately 3000 companies in all four corners of the continent not because we aim for a higher quantity of employees but value the quality of service to our customers,” said Vandeboe.


Simple Work Comp’s Friends & Family Referral Program – Putting People on a Payroll

Simple Work Comp will send you paychecks when you send business.

TAMPA, Fl – As the holiday season approaches, more Americans seek out additional job opportunities for some extra spending cash. Why spend an additional 30 hours a week working hard for an hourly wage, when you can work “smart” and join Simple Work Comp’s Referral Program?

Getting started is simple. You refer a business to Simple Work Comp for a free quote. If they decide to sign up,  Simple Work Comp will send you a monthly check for 20-30 percent of the total revenue for each account you refer. As long as the account stays you get a residual paycheck at the beginning of the month.

Simple Work Comp CEO, Frank VanDeBoe says he sends out more than 150 commission checks each month. Some of them are as much as $15,000 and on average $1500 a month.

Our Referral Program is a great opportunity to the retirees on a fixed income, stay-at-home-parents who don’t have a steady income, or even college students who feel they spend most of their money on books and tuition,” VanDeBoe said.

VanDeBoe describes the referral program as a ‘win-win’ for all parties involved.

employee leasing guru, florida“We get to help businesses save money on the services they already need. At the same time, we are providing the opportunity for people to make a supplement income by simply sharing information to prospective clients,” VanDeBoe said.

Since 1989 Simple Work Comp has served as a ‘one-stop-shop’ by saving hundreds of businesses money on workers’ compensation, payroll, insurance needs and other human resource-related responsibilities.

Simple Work Comp can provide some quick quotes in as little as 15 minutes.

No account is too big or small.

Why Refer Your Friends, Family and Acquaintances to Simple Work Comp?

  •    Quotes are free and don’t require any personal financial information from your business
  •    Low Risk
  •    No monthly or annual hidden fees, unlike it’s competitors
  •    Cultivate personal relationships with representatives you can call 24/7
  •    Most businesses save money when they choose Simple Work Comp
  •    Simple Work Comp is a well respected, and trustworthy company with 20+ years of success
  •    Services companies all over the country
  •    Senior Consultants with more than a combined 100 years of experience


Are you a stay-at-home parent looking for an opportunity to make some extra money? Would a “J-O-B” interfere with your current daily routine? Would you be interested in helping people, and in return, reach into your mailbox for a $500 check each month? At Simple Work Comp, most of the businesses we quote save money on services they already need or currently have. Refer business to us and we’ll send you a monthly check in return.


Are you going to college but don’t have time for a job? Do you dread paying the high costs of books and tuition? Are you getting tired of living on Ramen noodles? Would you be interested in helping people, and in return, reach into your mailbox for a $500 check each month? At Simple Work Comp, most of the businesses we quote save money on services they already need or currently have. Refer business to us and we’ll send you a monthly check in return.


Are you retired or living on a fixed income? Are your social security or retirement checks not meeting the demands of your medical bills? Would you be interested in helping people, and in return, reach into your mailbox for a $500 check each month? At Simple Work Comp, most of the businesses we quote save money on services they already need or currently have. Refer business to us and we’ll send you a monthly check in return.

Click here to register for Simple Work Comp’s Referral program here.



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