Frequently Asked Questions

How can I save (more) money on my workers' compensation policy?

You can save money on your workers’ compensation policy by having a Safety Program, a Drug-Free Workplace Program, a deductible, an FCCPAP credit, lower Experience Modification Factor, correct classification of employees…and Workers’ Compensation Group will help you with all of these options.

Can I pay for my policy without a deposit?

Yes…there are payment plans that ask for nothing down (except the state expense constant) and others that only ask for the first month’s installment, not to be held as a deposit. 

Are there any policies that allow me to pay in a fraction of the annual premium?

Yes…retrospective rating plans allow you to pay in a percentage of your premium during the year.  If you have claims, you pay in additional premium, but no more than you would on a regular plan.  If you do not have claims…you do not owe any more money.  The percentage can be as low as 30%!

Can a Workers’ Compensation Policy Cost Less Than Employee Leasing Workers’ Compensation Coverage? 

Yes, in MANY ways…

  • employee leasing coverage does not offer the standard credits you can get with traditional workers’ compensation policies.

  • employee leasing arrangements charge you administrative fees on gross payroll,  you pay workers’ compensation on the premium part of overtime – an actual increase in the premium based for workers’ compensation.

  • you are subject to the leasing company’s experience modification factor while you are with them AND after you leave.

  • improper coding of employees by non-licensed sales people often results in higher rated codes, etc...

  • corporate officers and owners cannot be excluded from coverage and premium.



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Many times workers' compensation insurance is something "thrown in" with an insurance package. Business are often penalized because insurance agents need to meet property or general liability quotas - and the worker's compensation portion is bartered to suit these needs.

You can save a considerable amount of money each year with the proper program designed to your business. We'll help determine the right time for a paid-loss retro versus a large deductible, a retention plan, a dividend plan or a guaranteed-cost plan. 

From compliance issues to premium payments, workers' compensation insurance is complicated, but we'll make it easier for you by creating a customized plan for your company

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