NORTH BAY, CALIFORNIA – The impact of new changes to workers' compensation experience modification factors that went into effect in January are only now being realized and have the potential to ...

Some contractors no doubt experienced sticker shock when their most recent workers’ compensation audit came back with a higher-than-expected Experience Modification Rate, or EMR [1], that raised their ...

Too much coverage wastes money, but too little can expose your company to claims and court awards. Here is how to calculate exactly what you need.

One of the biggest expenses affecting small businesses is workers' compensation insurance, which covers expenses associated with injuries to employees while on the job. In fact, 33 percent of small ...

experience based on the employers prior workers' compensation claim history. This procedure compares an employer's loss history to what was "expected" for that type of business based on the reported ...