--- title: Veritas Risk Management & Insurance Services Blog | Andrew Darlington (11) description: Andrew, the agency owner, has been a licensed insurance agent since 1997. He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. 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He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. [![](https://education.veritasrm.com/hs-fs/hubfs/Industrial%20port%20at%20dawn%20at%20the%20Port%20of%20Casablanca%2c%20Morocco..jpeg?width=1000&height=667&name=Industrial%20port%20at%20dawn%20at%20the%20Port%20of%20Casablanca%2c%20Morocco..jpeg)](https://education.veritasrm.com/longshore-and-harbor-workers-compensation-act-coverage) 4 min read #### [Longshore and Harbor Workers' Compensation Act Coverage](https://education.veritasrm.com/longshore-and-harbor-workers-compensation-act-coverage) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 17, 2024 at 10:26 AM Workers' Compensation Insurance is designed to ensure that injured or disabled employees hurt on the job are compensated and that their liability is... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Woman%20with%20her%20hand%20extended%20signaling%20to%20stop%20(only%20her%20hand%20is%20in%20focus).jpeg?width=1000&height=667&name=Woman%20with%20her%20hand%20extended%20signaling%20to%20stop%20(only%20her%20hand%20is%20in%20focus).jpeg)](https://education.veritasrm.com/employee-refuses-workers-comp-treatment) 1 min read #### [Employee Refuses Workers’ Comp Treatment](https://education.veritasrm.com/employee-refuses-workers-comp-treatment) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 15, 2024 at 10:26 AM When an Employee Refuses Workers’ Compensation Treatment [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Get%20Covered%20Roofers%20Workers%20Comp%20Insurance.png?width=675&height=675&name=Get%20Covered%20Roofers%20Workers%20Comp%20Insurance.png)](https://education.veritasrm.com/roofers-workers-comp-insurance) 5 min read #### [Roofer Workers' Comp Insurance](https://education.veritasrm.com/roofers-workers-comp-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 12, 2024 at 1:26 PM Get Covered: Roofers Workers' Comp Insurance Roofing is a demanding and risky industry, with workers' often exposed to hazardous conditions and the... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![Girl with Money](https://education.veritasrm.com/hs-fs/hubfs/Closeup%20portrait%20super%20happy%20excited%20successful%20young%20business%20woman%20holding%20money%20dollar%20bills%20in%20hand%20isolated%20grey%20wall%20background.%20Positive%20emotion%20facial%20expression%20feeling.%20Financial%20reward.jpeg?width=1000&height=667&name=Closeup%20portrait%20super%20happy%20excited%20successful%20young%20business%20woman%20holding%20money%20dollar%20bills%20in%20hand%20isolated%20grey%20wall%20background.%20Positive%20emotion%20facial%20expression%20feeling.%20Financial%20reward.jpeg)](https://education.veritasrm.com/paying-small-work-comp-claims-out-of-pocket) 5 min read #### [Paying Small Work Comp Claims Out of Pocket](https://education.veritasrm.com/paying-small-work-comp-claims-out-of-pocket) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 12, 2024 at 10:25 AM Is Paying Small Work Comp Claims Out of Pocket Ever a Good Idea? [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Screenshot%202024-07-10%20at%204.25.30%20PM.png?width=1398&height=1104&name=Screenshot%202024-07-10%20at%204.25.30%20PM.png)](https://education.veritasrm.com/wedding-insurance-liquor-liability) 3 min read #### [Liquor Liability Coverage](https://education.veritasrm.com/wedding-insurance-liquor-liability) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 10, 2024 at 4:26 PM Wedding Insurance: Understanding Liquor Liability Coverage Weddings are joyous occasions filled with celebrations, dancing, and often, alcohol. While... [Wedding Insurance](https://education.veritasrm.com/tag/wedding-insurance) [Newlyweds](https://education.veritasrm.com/tag/newlyweds) [![](https://education.veritasrm.com/hs-fs/hubfs/Trauma%20-%20Printed%20Diagnosis%20with%20Red%20Pills%2c%20Injections%20and%20Syringe.%20Medical%20Concept%20with%20Selective%20Focus..jpeg?width=1000&height=659&name=Trauma%20-%20Printed%20Diagnosis%20with%20Red%20Pills%2c%20Injections%20and%20Syringe.%20Medical%20Concept%20with%20Selective%20Focus..jpeg)](https://education.veritasrm.com/cumulative-trauma-injuries) 3 min read #### [Cumulative Trauma Injuries](https://education.veritasrm.com/cumulative-trauma-injuries) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 10, 2024 at 10:24 AM Cumulative injuries are some of the most expensive and complex workers’ compensation claims an organization will deal with. These injuries typically... [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Insurance%20Plans%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg?width=1000&height=667&name=Insurance%20Plans%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg)](https://education.veritasrm.com/can-health-insurance-rebates-affect-workers-comp-premiums) 1 min read #### [Can Health Insurance Rebates Affect Workers’ Comp Premiums?](https://education.veritasrm.com/can-health-insurance-rebates-affect-workers-comp-premiums) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 8, 2024 at 10:23 AM Since 2012, the Affordable Care Act (ACA) has required insurers with a certain medical loss ratio (MLR) to issue a rebate to employers. Depending on... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Pretty%20young%20woman%20making%20a%20decision%20with%20arrows%20and%20question%20mark%20above%20her%20head.jpeg?width=1000&height=646&name=Pretty%20young%20woman%20making%20a%20decision%20with%20arrows%20and%20question%20mark%20above%20her%20head.jpeg)](https://education.veritasrm.com/determining-whether-employees-injuries-and-illnesses-are-work-related) 2 min read #### [Determining Whether Employees’ Injuries and Illnesses Are Work-related](https://education.veritasrm.com/determining-whether-employees-injuries-and-illnesses-are-work-related) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 5, 2024 at 10:22 AM Navigating employee injuries and illnesses (and subsequent workers’ compensation claims) can be very complex and overwhelming to many employers. As... [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Successful%20business%20people%20at%20a%20corporate%20meeting.jpeg?width=1000&height=667&name=Successful%20business%20people%20at%20a%20corporate%20meeting.jpeg)](https://education.veritasrm.com/professional-employer-organization-remuneration) 3 min read #### [Professional Employer Organization Remuneration](https://education.veritasrm.com/professional-employer-organization-remuneration) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 3, 2024 at 10:20 AM PEOs and Workers' Compensation [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Smiling%20young%20man%20shaking%20hands%20with%20an%20insurance%20agent%20or%20investment%20adviser%20as%20he%20sits%20in%20a%20meeting%20with%20his%20wife%20in%20her%20office.jpeg?width=1000&height=668&name=Smiling%20young%20man%20shaking%20hands%20with%20an%20insurance%20agent%20or%20investment%20adviser%20as%20he%20sits%20in%20a%20meeting%20with%20his%20wife%20in%20her%20office.jpeg)](https://education.veritasrm.com/workers-comp-overview) 2 min read #### [Worker's Comp Overview](https://education.veritasrm.com/workers-comp-overview) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): July 3, 2024 at 10:19 AM Workers’ Compensation Insurance: An Overview [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Prev](https://education.veritasrm.com/author/andrew-darlington/page/10) [9](https://education.veritasrm.com/author/andrew-darlington/page/9) [10](https://education.veritasrm.com/author/andrew-darlington/page/10) [11](https://education.veritasrm.com/author/andrew-darlington/page/11) [12](https://education.veritasrm.com/author/andrew-darlington/page/12) [13](https://education.veritasrm.com/author/andrew-darlington/page/13) [Next](https://education.veritasrm.com/author/andrew-darlington/page/12) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot\_2022-07-27\_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top*