Workers Compensation

clock September 15, 2020 comments No Comments flowchart Business InsuranceOur BlogWorkers Compensation tag

In Rhode Island, workers’ compensation insurance uses three factors to calculate premiums: rate assigned to each payroll classification in your business, total amount of payroll for each classification, and your experience modification factor. The third is the only one within your control to change. Handling your experience modification factor poorly will cost you plenty. However,… Read more »

clock June 25, 2019 comments No Comments flowchart Automobile InsuranceFamily & Home CareHomeowners InsuranceOur BlogWorkers Compensation tag Holidays

National Insurance Awareness Day is June 28th this year. It’s intended to raise awareness so people prepare instead of leaving insurance considerations until it’s too late to protect them. Here are a few things you can do to increase your insurance awareness so that you can better protect your home, car, and business. Perform an… Read more »

clock May 29, 2018 comments No Comments flowchart Our BlogWorkers Compensation tag

Seasonal workers often contribute to business success, but they also impact your business in many unexpected ways. If you rely on seasonal workers, consider these factors to protect your business and your workers. Workers’ Compensation Compliance In Rhode Island, most businesses are subject to the Workers’ Compensation Act, however some exemptions exist. Employers hiring people… Read more »

clock December 6, 2015 comments No Comments flowchart Our BlogWorkers Compensation tag Liability

While owning your own business has its rewards, it also has it risks. What if one of your employees is hurt while performing his/her job? Can you afford to cover their medical payments and lost wages? This is why workers compensation insurance is so important. So what is workers compensation insurance? Watch as insurance experts… Read more »

clock August 26, 2013 comments No Comments flowchart Business InsuranceOur BlogWorkers Compensation tag Safety

If you own a business in Rhode Island and you have employees on the payroll, you are required by law to carry workers compensation coverage.  But when you obtain that coverage, do you really know what it covers and what it doesn’t?  Even more importantly, do you know WHO it covers in your business? If… Read more »

clock April 15, 2013 comments No Comments flowchart Business InsuranceOur BlogWorkers Compensation tag LiabilitySafety

Depending on the type of business you own, the rules of employee conduct may differ.  In a lot of office environments it is standard to have a dress code- whether it is formal or casual- and employees are expected to act professional at all times.  In other work environments like retail shops, outdoor landscaping companies… Read more »

clock October 11, 2012 comments No Comments flowchart Business InsuranceClaimsOur BlogWorkers Compensation tag Property MaintenanceSafety

Having an employee out on workers comp sometimes makes you want to reevaluate the safety conditions at your workplace.  Have you been doing all you can to keep a safe environment for your employees?  How did that accident happen?  Was it just human nature or was it something that could have been avoided?  It might… Read more »

clock May 4, 2012 comments No Comments flowchart Business InsuranceOur BlogWorkers Compensation tag Safety

Rhode Island has a number of well-known independent grocery stores. These stores may require grocery specific business insurance RI to cover food, produce, beverages and other items that are common to grocery stores. Grocery stores need comprehensive property, liability, crime, and workers’ compensation insurance coverage. Certain risks and exposures are unique to grocery stores, and… Read more »