Blog
Why Healthcare Claims Frequency Matters More Than Claim Size
When healthcare organizations think about workers’ compensation exposure, the first thing that often comes to mind is the cost of a large claim. A serious back injury, a surgical complication, or a long-term disability case tends to grab attention because of the...
Why Even “Low-Hazard” Manufacturing Shops Get Denied Workers’ Comp Coverage
Many manufacturing business owners assume that if their shop is clean, organized, and free from obvious dangers, workers’ compensation insurance should be easy to obtain. When operations involve light assembly, small parts, or controlled environments, the label...
Why Warehouse Injury Severity Isn’t the Only Underwriting Concern
When warehouse owners think about workers’ compensation risk, injury severity is usually the first thing that comes to mind. Forklift accidents, falls from elevated surfaces, pallet collapses, and struck-by incidents are all easy to picture, and they...
Why Medical Employers Misjudge Workers’ Comp Risk
Medical employers often believe they have a solid grasp on their workers’ compensation exposure. Healthcare is a regulated field, staffed by trained professionals, governed by protocols, and built around patient safety. From the employer’s perspective,...
How the Right Workers’ Comp Structure Keeps Healthcare Businesses Covered
Healthcare businesses operate in one of the most demanding and regulated environments of any industry. From hospitals and outpatient clinics to home health agencies, nursing services, behavioral health providers, and specialty practices, the daily work involves...
How Improper Job Descriptions Can Lead to Workers’ Comp Declines
When business owners apply for workers’ compensation insurance, they often focus on payroll totals, prior claims history, and the type of industry they operate in. While all of those factors matter, there is another piece of the application that can quietly make...