Insurance Made Simple Blog

Non-Profits and the Dreaded Workers Compensation Audit

Nearly all Workers Compensation policies and some General Liability policies are audited by the insurance carrier every year after the expiration/renewal date. This can be a traumatic experience for some nonprofits. The following is an explanation of the audit process and some information that will help you to prepare for a stress-free audit.
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Non-Profits and the Dreaded Workers Compensation Audit

Nearly all Workers Compensation policies and some General Liability policies are audited by the insurance carrier every year after the expiration/renewal date. This can be a traumatic experience for some non-profits. The following is an explanation of the audit process and some information that will help you to prepare for a stress-free audit.
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Do You Know How Your Non-Profit Workers' Compensation Works?

Workers' compensation, also known as workers' comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Workers’ compensation for nonprofits works the same way it does for commercial businesses. In general, an employee with a work-related illness or injury can get workers' compensation benefits regardless of who was at […]
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Do You Know How Your Non-Profit Workers' Compensation Works?

Workers' compensation, also known as workers' comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Workers’ compensation for non-profits works the same way it does for commercial businesses. In general, an employee with a work-related illness or injury can get workers' compensation benefits regardless of who was at […]
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It’s Not My Fault! When fault doesn’t matter for Nonprofit Insurance

If it hasn’t been drummed into you yet in my posts then I will say it again.  In order for your General Liability to respond to a claim or a law suit you have to have done something wrong. That “you” is your organization, its employees, directors, officers, and volunteers. That “something wrong” can be defined as acts of negligence, actions or inactions that cause harm to others or others […]
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The Worst Advise I have Ever Heard about Nonprofit Workers Comp

I speak to people all over the country every day about Workers Comp for their Nonprofit Organizations.  It constantly amazes me the amount of bad advice some people get. 
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Little Secrets about Workers Comp for Nonprofits

Workers' Compensation, also known as Workers' Comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Workers’ Compensation for nonprofits works the same way it does for regular businesses.
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CA Workers Comp Premiums Got You Down?

Yes, the stories you have been reading are true.  Workers Comp Premium is California are on the rise.  They've been steadily creeping up over the past couple of years but it seems to be more significant in 2011.  Not only only are rates increasing but that's not the end of the troubles.  We've also seen companies get really tough on final audits as well as with changing classifications and our […]
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3 Fun Ways to Prevent Workplace Injuries and Workers Comp Claims

"Safety, Workplace Hazards, Employee Accidents, blah, blah, blah..."  Sometimes I think that's what employees here when employers talk about preventing injuries and workplace safety.  If you really want to protect your employees and lower Workers Compensation claims and hopefully decrease your Worker's Comp premiums then you need to get buy in from your workers.
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