Archive for the ‘Workers Compensation Insurance’ Category

Recently I wrote about workers comp and discussed the difference between Independent Contractors and Employees as it relates to whether an employer should be paying workers compensation premiums.

We all know that injuries at work result in claims against your workers comp policy, so the question is how you and your employees can reduce the odds of those claims.

Some main culprits relating to workers comp claims are back pain and carpal tunnel.

Back pain can be caused by a variety of issues:

• Excess weight and poor muscle tone
• Herniated or slipped discs
• Muscle strains and spasms
• Osteoarthritis; slow cartilage deterioration due to excessive use, injury or aging
• Osteoporosis; a calcium deficiency in the bones
• Sciatica; pressure on a nerve root in the lower back
• Stress

Welcome to the new website! I now have a forum to provide you with helpful information relating to your insurance. It will also be a great place for you to catch up on insurance industry news. It’s a given that your employees are one of your most important resources. We all know that as an employer in California, you’re required by law to provide your employees with the protection of Workers Compensation insurance. Because a claim on your Workers Comp policy can affect your premiums for years, in addition to purchasing the coverage, there are things you can do throughout the year that will help you keep your Work Comp premiums (and potential claims) in check.