California business owners continue to feel the pressure from not only a poor economy – but now an increase in state workers’ compensation insurance rates. A recent California Department of Insurance analysis of the top 100 workers’ compensation insurers in California found that of 59 companies that filed a notice with the state indicating they [...]

Before shopping for a workers’ compensation insurance policy, FIRST get all your supporting paperwork in order and keep it in one place. Use an Excel spreadsheet as the spreadsheet is useful tool down the line when the times comes to calculate rates and premiums.     1. Payroll Reports Payroll reports showing how much employees are paid [...]

Experience Modification Factor An employer’s Experience Modification Factor (“mod”) is an important number in a premium calculation and tells a story in and of itself. This is truly a modification factor because an employer’s rate or premium is modified or adjusted up or down based upon the factor.    NCCI, the National Council on Compensation Insurance [...]

Iowa is one of only six states to offer the option of free health insurance to state government employees and their families. And the state’s cost to provide health insurance has increased more than 300 percent — $176 million — in 10 years, a Des Moines Register analysis shows. Iowa’s state employees also pay substantially [...]

When you get a health insurance quote, you are getting a quote on a certain kind of plan. Get a free group health insurance quote online and find out more about a low cost group health insurance plan. Self employed health insurance tesco insurance online insurance quotes california health insurance plan geico insurance electric insurance. [...]