Recent Posts

  1. What’s Driving Your Mod?

    by Cameron Bramwell

    A mod analysis can provide valuable insight into your business operations and workers’ compensation losses. If you have a basic understanding of how a mod is calculated, you can use a few simple equations to gain a deeper understanding of the factors contributing to your number. Determination of the minimum mod The minimum mod, also […]

  2. Safe Driving on Slick Roadways

    by Cameron Bramwell

    Winter weather can present many driving headaches for drivers, slick roadways being one of them. Most skids can be prevented by simply adjusting driving to the conditions and remembering how to recover if you should come in contact with a slick surface. Skid-Free Driving Remember these tips to avoid a dangerous accident when roads are […]

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  3. Understanding Your Workers’ Compensation Experience Modification Factor

    by Cameron Bramwell

    Understanding Your Workers’ Compensation Experience Modification Factor A key to understanding your workers’ compensation premium is the experience modification factor, also known as your mod. Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium. Who calculates the mod factor? Most states use the […]

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  4. 2013-2015 Changes to NCCI’s Primary-Excess Split Point

    by Cameron Bramwell

    In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split point over a three-year transition period. The first stage of the transition took effect with each state’s approved rate and loss cost filing on or after Jan. 1, 2013. This change has also […]

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  5. Vegetarian and Vegan Diets

    by Cameron Bramwell

    Category: Food

    Tags:

    Everyone makes food choices in different ways. For some, it is more than simply out of hunger or craving; their food choices are a way of life. Vegetarianism is a choice to abstain from eating meat products. Those who are vegan do not eat anything containing animal products (such as dairy and eggs), and prefer […]

  6. Do I need Workers Compensation Coverage For My Small Business?

    by Cameron Bramwell

    Workers’ Compensation 101 for Your Small Business Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he/she will be reimbursed for lost wages […]

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  7. Eliminating Indoor Air Pollution

    by Cameron Bramwell

    Americans spend approximately 87 percent of their time indoors, according to the U.S. Department of Energy. Since air circulation is often restricted inside, it is speculated that indoor pollutants are far worse for humans than poor outdoor air quality. In fact, the U.S. Department of Energy claims that indoor pollutant levels are potentially 100 times […]

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  8. Cash Value Life Insurance

    by Cameron Bramwell

    Many people who buy life insurance do so to protect their family, however they can also add value to their diversified financial portfolio. It can supplement a number of different financial goals in addition to providing death benefit protection. Cash value life insurance is a type of life insurance that offers great flexibility. It can […]

  9. Automobile Policy Coverage Summary

    by Cameron Bramwell

    BI? UM? If you are trying to make sense of your automobile insurance options and the limits that you need, we can help. We’ve covered the basics to help you read and understand your coverage options and policy language. Comprehensive and Collision Collision – Covers damage to your car when your car hits, or is […]

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  10. IRS Updates

    by Cameron Bramwell

    Category: Insurance

    Tags:

    IRS Releases Draft Forms for Health Coverage Reporting On July 24, 2014, the Internal Revenue Service (IRS) released draft forms for employer reporting of health coverage. These draft forms are intended to prepare stakeholders (such as employers) for new reporting provisions under Internal Revenue Code Sections 6055 and 6056. Because these forms are drafts, they […]

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