Hebbeln Insurance Blog: work comp
View the latest blog posts from Hebbeln Insurance.
Saturday, September 27, 2014As discussed in the previous post, Primary losses have a much greater impact on an Employers Experience Mod. Rating (EMR) than excess losses. The topic of primary losses is more important now because the "Cap" for primary losses will increase each year until it reaches $15,000 in 2016. READ MORE >>
Saturday, August 30, 2014In my affected mind, the belief is that my Blog Posts have tremendous widespread appeal! No? However, in this post, I will relent that the benefit will be to two types of individuals: technically analytical employers and situational insomniacs. For everybody else, have a Great Labor Day weekend! READ MORE >>
Tuesday, July 8, 2014The Importance of Workers' Compensation: I am often asked “How many Employees do I have to have before I am required to have Work Comp Coverage?” This is a very good question. The answer in the State of MO is 5 (including Owners/Officers) and only 1 Employee for certain Construction Employers. READ MORE >>
Saturday, May 10, 2014The Experience Modification Rating (let’s call it the Mod. for short, sometimes referred to as the EMR) can have a significant impact on your Workers’ Compensation Premium. Your Mod. indicates whether your losses are better or worse than expected. If better than expected, you receive a credit, if worse, a debit is applied. READ MORE >>
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