It is a factor used to adjust your premium based on your past claims history. An EMR below 1.0 is good and results in lower premiums, while an EMR above 1.0 indicates higher risk and higher costs.
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We work with multiple carriers to provide flexible and affordable workers’ compensation insurance plans designed to meet your business needs.
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Workers’ compensation laws can be complex and vary by state. We make sure your business remains fully compliant while reducing risks that could lead to costly fines or legal challenges.
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Your employees are the backbone of your business. With comprehensive workers’ compensation coverage, we ensure they are financially and medically supported in the event of workplace injuries or illnesses.
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Managing insurance on top of running a business can be overwhelming. We simplify the process by handling all the detailspolicy comparisons, carrier negotiations, claims support, and renewals
The solar industry is paving the way for a cleaner future, but it must be built on a foundation of safety. Proper Workers Compensation for solar installation businesses is not just a box to check; it is a critical component of your business strategy. By understanding the risks, maintaining proper classification codes, and working with a knowledgeable provider, you can protect your most valuable asset—your employees—while ensuring the financial stability of your company.
Yes, in almost every state, any business with employees is legally required to carry Workers Compensation insurance. This requirement is even stricter for high-risk construction trades.
It covers medical expenses for job-related injuries, rehabilitation costs, and a portion of lost wages if the employee cannot work. It also protects the employer from lawsuits related to the injury.
Because the risk is high. The combination of falls, electrical hazards, and heavy lifting creates a higher probability of claims compared to office-based jobs.
Usually, no. Your policy typically only covers employees (W-2 workers). It is crucial to ensure your subcontractors (1099) have their own policy and provide you with a certificate of insurance.
Premiums are calculated based on your total payroll, the classification code for the work being done, and your company’s Experience Modification Rate (EMR).
The policy covers the injury regardless of the job site, provided the employee was performing work-related duties. The height of the roof does not change the coverage, but it does affect the risk assessment.
While you cannot retroactively change the past, implementing safety measures and a “Return-to-Work” program can help prevent future claims, which will lower your EMR over time and reduce costs.
