When calculating workers’ compensation insurance premiums, payroll is more than the wages listed on your company’s payroll register. Workers’ compensation insurers generally use a broader definition called remuneration, which can include wages, bonuses, commissions,...
Table of Contents What Injuries Does Workers’ Comp Cover? What Workplace Injuries May Not Be Covered? When Does an Illness or Disease Qualify for Workers’ Comp? Do Workers’ Comp Rules Differ by State? How Can Businesses Manage Workers’ Comp Risk? ...
Your workers’ compensation policy may cover employees across multiple states, but only if those states are listed correctly. Item 3.A and Item 3.C serve very different purposes, and confusing the two can create a costly coverage gap. For businesses with employees,...
Table of Contents Why Does the Dock-Versus-Deck Distinction Matter? When Does State Workers’ Comp Apply? Who Is Covered Under USL&H? Does Your Workers’ Comp Policy Address Your Full Maritime Exposure? Who Is Covered Under the Jones Act? Why Can a Standard Workers’...
Table of Contents What Does Standard Carrier Liability Actually Cover? How Is Cargo Insurance Different and More Comprehensive? Why Is Cargo Insurance a Strategic Investment and Not Just a Cost? Are You Fully Protected Before Your Freight Hits the Road? Supply...
Table of Contents What Does It Mean to Be Underinsured? Why Do Businesses Reduce Insurance Coverage? What Are the Financial Risks of Being Underinsured? How Do You Determine the Right Level of Property Insurance? Which Industries Are Most Vulnerable to Underinsurance?...
