3 min read
Your Experience Modification Factor
Why is this Important for You?
Explore the basics of different insurance types and discover how knowing your coverage details can protect you. Our blog features easy-to-read articles that highlight the importance of proper coverage. Learn more and ensure you’re fully protected—simply and clearly. Additionally, stay up to date on our work in the community!
 
                  
                
                3 min read
 Andrew Darlington:  October 28, 2024 at 5:41 PM
                    
                    Andrew Darlington:  October 28, 2024 at 5:41 PM
                  Why is this Important for You?
 
                  
                
                3 min read
 Andrew Darlington:  October 28, 2024 at 5:40 PM
                    
                    Andrew Darlington:  October 28, 2024 at 5:40 PM
                  Workers’ compensation is a system of no-fault insurance. Workers’ compensation insurance provides wage replacement and medical benefits to employees...
 
                  
                
                12 min read
 Andrew Darlington:  October 25, 2024 at 5:39 PM
                    
                    Andrew Darlington:  October 25, 2024 at 5:39 PM
                  About 48 million people (1 in 6 Americans) get sick, 128,000 are hospitalized, and 3,000 die each year from foodborne diseases, according to recent...
 
                  
                
                3 min read
 Andrew Darlington:  October 23, 2024 at 5:39 PM
                    
                    Andrew Darlington:  October 23, 2024 at 5:39 PM
                  In 2010, the Occupational Safety and Health Administration (OSHA) issued a final rule that established a new safety standard for worksites where...
 
                  
                
                4 min read
 Andrew Darlington:  October 21, 2024 at 5:37 PM
                    
                    Andrew Darlington:  October 21, 2024 at 5:37 PM
                  Alcohol-Impaired Driving (DWI/DUI Laws by State
 
                  
                
                23 min read
 Andrew Darlington:  October 18, 2024 at 5:35 PM
                    
                    Andrew Darlington:  October 18, 2024 at 5:35 PM
                  Graduated Licensing (Teen Driver) Laws by State
 
                  
                
                15 min read
 Andrew Darlington:  October 16, 2024 at 5:32 PM
                    
                    Andrew Darlington:  October 16, 2024 at 5:32 PM
                  State SEAT BELT LAW CHILD SEAT LAW Initial effective date Primary enforcement? Who is covered? What seats? 1st Offense Must be in child safety seat...
 
                  
                
                2 min read
 Andrew Darlington:  October 15, 2024 at 2:29 PM
                    
                    Andrew Darlington:  October 15, 2024 at 2:29 PM
                  OSHA COMPLIANCE: Federal Partially Exempt Industries Employers are not required to keep OSHA injury and illness records for any establishment...
 
                  
                
                6 min read
 Andrew Darlington:  October 14, 2024 at 5:30 PM
                    
                    Andrew Darlington:  October 14, 2024 at 5:30 PM
                  The Occupational Safety and Health Act (OSH Act) covers most private sector employers and their workers, in addition to some state and local...
 
                  
                
                1 min read
 Andrew Darlington:  October 12, 2024 at 2:28 PM
                    
                    Andrew Darlington:  October 12, 2024 at 2:28 PM
                  15 Warning Signs of Workers' Compensation Fraud