May 10, 2014
AgencyWhat is the NCCI Experience Mod. Rating
The Experience Modification Rating (let’s call it the Mod. for short, sometimes referred to as the EMR) can have a […]
July 8, 2014
Agency“How many Employees before I am required to have Work Comp?”
The Importance of Workers’ Compensation: I am often asked “How many Employees do I have to have before I am […]
August 30, 2014
AgencyWork Comp and the Experience Mod Split Point
In my affected mind, the belief is that my Blog Posts have tremendous widespread appeal! No? However, in this […]
September 27, 2014
AgencyWork Comp Split Point continued
As discussed in the previous post, Primary losses have a much greater impact on an Employers Experience Mod. Rating (EMR) […]
December 17, 2014
AgencyThe Experience Mod. Revisited
With a number of policies renewing on January 1, many questions come up regarding the Workers’ Compensation Experience Mod. and […]
June 4, 2015
AgencyWork Comp: Subcontracted Labor Confusion
A common question is: “Why do I have to include my subcontracted payroll on my Workers’ Compensation policy – they’re […]
March 5, 2016
Agency“I don’t have 5 employees so I don’t have to have it – right?” “True, but….”
I hear this a lot since Missouri does not require Employers to have Workers’ Compensation Coverage unless they have 5* […]
October 22, 2016
AgencyExperience Mod. Rating (EMR) – Quickly Explained
Many Employers have a Jan 1 renewal date – so this seems like a good time to Post. If you […]
February 17, 2017
AgencyLoss Control and OSHA Violations
In addition to the positive impact Loss Control has on Insurance Premium (e.g. a Credit Experience Mod. Rating), excellent Loss […]
June 15, 2017
AgencySummer Heat and Injury Prevention
June seems to be off to a very hot start for St. Louis. For Employers with Employees exposed to heat […]