A construction worker wearing a safety vest and helmet, accompanied by text on a blue background that reads "Workers' Comp Exemption Explained"

Workers’ Comp Exemption Explained

Workers’ Compensation is an essential type of commercial insurance coverage for most businesses, but not everyone is required to have it.    To give you a better understanding about what workers’ comp exemptions are, we’ll be discussing:    The professionals who may qualify for an exemption. Varying state laws in regards to exemptions. How to…

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A worker wearing safety gear, including a hard hat, goggles, and noise-canceling headphones, holding a clipboard in an industrial setting. The text above reads: "How to Lower Your Workers’ Compensation Premiums."

How to Lower Your Workers’ Compensation Premiums

As a small business owner, you care about your employees' success, as well as their wellbeing and their safety in the workplace. With that said, even the most conscientious employers have to face the fact that mishaps can and will occur even in the safest of workplaces. Accidents are inevitable in any workplace. So, it's…

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Warehouse workers reviewing packages, highlighting insurance options. Below them the text reads "Workers' Compensation vs. Occupational Accident Insurance."

Workers’ Comp vs. Occupational Accident Insurance

  One of the most important concerns for both workers and businesses is the health and safety of their workforce. Workers' compensation insurance and occupational accident insurance are two important insurance policies. They each come into play when it comes to the protection and safety of the workplace. In spite of the fact that both…

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Construction workers reviewing documents on a worksite with a caption asking if workers' compensation insurance is required.

Am I Required To Have Workers’ Compensation Insurance?

  Your small business can benefit from many different kinds of commercial insurance, including policies like general liability, commercial property, and small group health coverage. One of the most important policies to add to that list is workers’ compensation insurance.    With this type of policy, small business owners can protect their employees and themselves…

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Confused woman surrounded by question marks with text asking if businesses need workers' compensation insurance for 1099 contractors.

Do I Need Workers’ Compensation Insurance If I Have 1099 Contractors?

Workers’ compensation insurance is a key part of most companies' risk management plans. Workers compensation coverage pays for lost wages and medical expenses when someone is injured on the jobsite.   Most states require all businesses to have workers’ compensation insurance of some sort. But does the same rule apply to 1099 workers?   1099…

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