One of the most confusing components of an employer’s Workers’ Compensation Policy is the Experience Modification Factor. They watch it increase and decrease from year to year – higher Experience Modification Factors generally increase costs and lower factors reduce them....

While insurance companies now have more tools to determine the pricing of a workers’ comp policy, the Experience Modification Factor (mod) remains a core factor in the pricing determination. The lower the mod, the lower the premium. Perhaps, most importantly,...

The National Safety Council (NSC) has released a list of its top seven-workplace hazards. While the list may not surprise employers, workers continue to be injured in accidents that are highly preventable. Here are the seven, along with contributing causes...

When workplace injuries are discussed or publicized, it is the serious ones that are front-and-center. They are the ones that cause the most pain in terms of injuries, cost, missed work time, employee morale, lost productivity, and more. If only,...

To keep their premiums at the lowest cost each year, it’s not unusual for businesses to seek job classifications with lower ratings. Workers’ Compensation guru, David Leng, explains in his book, Stop Being Frustrated and Overcharged Year After Year by...

Steamy summer weather combined with intense physical labor can be a recipe for disaster. It can threaten the health of workers, impair their work capacity and productivity, and lead to OSHA fines and even intentional tort cases, when not properly...