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Workers Compensation Cost Savings Strategies

Published on November 20, 2019 By usdigital

  A Safety Program helps in two ways:  Many insurance companies provide a credit just for having a safety program in place and your loss history is one of the key factors underwriters take into account when rating your Workers’ Compensation premium. Several keys to a successful Safety Program 1. Management Commitment If upper management […]

Planning a Summer Construction Project?

Published on August 7, 2019 By Scott Stuart

Is your church starting a construction project this spring? Make sure you have the insurance protection you need. A traditional liability policy provides coverage for people injured on construction sites, but there are risks associated with construction projects that require special insurance. CMI can help you review all insurance and contract documents, callus today. What […]

Workers’ Compensation Best Practices

Published on October 18, 2018 By Scott Stuart

Business owners go to great lengths to provide a safe working environment for their employees. However, when dealing with humans, accidents can happen, and Workers’ Compensation Insurance can help.  Workers Compensation Insurance should be an important part of every risk management program. What Is Workers’ Compensation? Workers’ compensation insurance is insurance that provides lost income, […]

Improve Your Workers Compensation Program Through Employee Selection

Published on September 13, 2018 By Scott Stuart

Improve Your Workers Compensation Program Through Employee Selection One of the most important things an employer can do is hire the best possible person for the company. In the current employment market, it is easy to lose sight of how employee selection is directly tied to employee injuries. Hiring the wrong person can put your […]

Good Reasons To Consider Workers’ Compensation

Published on June 13, 2018 By Scott Stuart

If your Church has employees, you may be required to buy workers’ compensation insurance. Some states do allow people to opt out of the system if they can prove financial responsibility, but that is only in two or three states in the entire country. If you have employees, you are most likely required to carry […]

Is Your Church Hiring This Summer?

Published on June 9, 2018 By Scott Stuart

Many churches today offer college students the opportunity to hold a summer intern position. These can be rewarding for the college student as well as provide some help to the ministry. Offering paid or non-paid internships can create risk for your ministry.  We wanted to highlight some of the business risks associated with having interns. […]

Did You Know Your Company Can Control Work Comp Costs?

Published on September 27, 2017 By Scott Stuart

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums.  Workers’ Compensation Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day […]

Summer Interns

Published on April 9, 2017 By Scott Stuart

Church Insurance update  This is the time of year when your business will be hiring part time workers to help you manage the holiday season. For the most part, you will not need to modify your business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be […]

Your Experience Mod Is Your Workers’ Comp Identity

Published on March 9, 2017 By Scott Stuart

It is a fact that many employers actually overpay for their workers’ compensation premiums.  According to the latest reports, employers are paying around 20% more in surcharges than they need to. Most surcharges come from increases in the experience modification factor (mod). The experience mod is a factor unique to each employer. In simple terms, […]

The Value of Performance Reviews

Published on December 28, 2016 By Scott Stuart

For the most part, employees come to work ready to work hard, deliver good customer service and help the company grow. We all want our jobs and careers to be fulfilling, and even more; we want to be valued for what we do. Recent studies tell us that over 70% of people desire regular feedback […]