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Twenty-five percent of all United States insurance fraud claims are related to workers’ compensation. Employees throughout the country report about $7 billion worth of personal injuries occurring in the workplace or while they are on the clock but off the premises. Although small businesses are least likely to be able to cope with the ensuing

It might be hard to fathom any type of audit being beneficial, but when your insurer conducts a premium audit for your account, it can just as important to you as it is to your carrier. When you were first issued your policy, the carrier looked at the estimated sales figures or payroll data that

It is very common for the insurance requirements in a construction contract to include a provision requiring the subcontractor to waive all rights against the owner and general contractor for recovery of damages to the extent these damages are covered by the sub’s workers’ compensation and general liability or commercial umbrella liability insurance. Owners and

It’s hard to believe you can be a New York City plumbing contractor and not be able to get a quote from a “Main Street Insurance Company” for both Commercial General Liability and Commercial Umbrella Liability coverage. To add insult to injury, every year insurance companies still increase rates 5% to 10%+.  It’s like they

In the past few years have you’ve been hit by phony workers compensation claims, by a few rotten apple employees, for hundreds of thousands of dollars? Have these claims caused your insurance company to drop coverage or drastically increase rates? Do you have a debit experience modification factor (EMR)” of 1.25, 1.50, 1.75 or higher

How would you like to get a FREE review of your Property, General, Umbrella, Auto, Workers’ Compensation and Group Health policies from a specialist who has 42 years experience and will NOT and we repeat NOT try to force you to do business with us.  Our only hope is down the road, should you have