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Insurance, decoded.
Plain-English articles on coverage, claims, risk management and the fine print, written by people who read insurance policies for a living.
Florida Jury Awards $26.6 Million to Smoker’s Widow
A Florida jury ordered R.J. Reynolds and Philip Morris Wednesday to pay $26.6 million to the widow of a longtime smoker who…Read more →Injured Worker Denied Comp Can Sue Employer
An injured worker’s lawsuit alleging his employer committed fraud is not barred by the exclusive remedy provision of Oregon’s workers compensation law,…Read more →Definition of “Risk”
U.S. banking regulators disagreed on Thursday about how to reform financial regulation at a Senate hearing that underscored how far the United…Read more →Outside Sales: Class 8742
This classification is for salespersons whose work includes activity away from a main office. These employees must spend their workdays in sales…Read more →Court Defines ‘Accident’ in Multiple Vehicle Case
Under Georgia insurance law an auto accident that kills one bicyclist and then within seconds injures a second should be considered as…Read more →California Restaurant Work Injury Claims Report
Restaurant workers accounted for 6.1 percent of all California job injury claims, but only 4.1 percent of the state’s workers’ compensation benefit…Read more →Wondering What to Classify as Payroll? Look Here
Workers’ compensation premium is assessed on gross wages and other compensation as defined by law. The table below identifies whether or not…Read more →Attention, California Construction Employers: Keep Rigorous Records
If you are a construction employer, you know that California’s dual-wage classification system may entitle you to lower premium rates for employees…Read more →Your Workers Comp. Audit in Four Easy Steps
Save the date. An insurance company audits policies according to the guidelines of the Workers’ Compensation Insurance Rating Bureau (WCIRB). If your…Read more →How to Prepare for an Audit
Keep Good Records, and Keep in Touch You can help reduce the amount of time and material required during an audit by…Read more →Understanding Your Audit: Why It’s Important, How It Helps
A payroll audit is a routine, yet essential event in the life of your workers’ compensation insurance policy. All insurers are required…Read more →Clerical: Class 8810
This classification is for employees whose time is spent exclusively on clerical duties. Clerical employees must have no exposure to nonclerical business…Read more →Make insurance the easiest thing on your to-do list.
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