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If your organization has elected to carry Workers' Compensation insurance, there are certain factors that will determine how much you'll pay for the coverage. Frequent claims will cause a significant increase in your premiums. If your company qualifies for an experience modification, adjustments will be made to your annual premium based on your past three years of claim activity - the more activity, the higher your premium. Carriers will also look at how well your organization is managing its operations.

While claim activity is usually out of your control - accidents happen - there are some things you can do to help show your carrier you deserve a lower rate on your Workers' Comp premiums:

  1. Offer health insurance, which may deter employees from using Workers' Comp as recourse for not having a health plan.
  2. Keep up-to-date OSHA logs with specifics about work-related injuries and illnesses. You should record when a work-related event or exposure causes or contributes to a condition or aggravates a pre-existing condition. Record deaths, loss of consciousness, days away from work, restricted work activity or job transfer, medical treatment beyond first aid, and injury or illness diagnosed by a physician or other licensed health care professional. This includes but is not limited to cancer, chronic irreversible disease, a fractured or cracked bone, or a punctured eardrum.
  3. Organize a formal safety program, put it in writing, and conduct safety meetings.
  4. Invest in an accident investigation program.
  5. Outline and post consistent instructions for any required safety equipment such as ear plugs for high noise or safety goggles.
  6. Utilize your carrier's loss control surveyors by asking questions about ergonomic testing or additional materials or websites recommended to improve safety.

Spend some time talking to us about your Workers' Comp insurance and you may be able to spend less on your premiums!

Post authored by Joi Garcia. Originally published February 21, 2014. View original post at:


Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2016 Central Mutual Insurance Company. All rights reserved.

Posted by Brock Insurance | Topic: Topic2  | Category: Work Comp | 0 Comments | Leave a Comment

Bridging the Gap: Company Car Coverage and Personal Use

Many employees drive company cars for their work-related duties. But what if the company car were your only car? Even as an employee of the company, it's likely you are not listed on the company’s business auto policy.

So what happens when you borrow your neighbor's car to run some errands on the weekend? This type of situation can leave you with serious gaps in coverage. Under a business auto policy, individuals using a borrowed auto for personal use are not covered, even if the policy covers hired or borrowed autos. The individual must be listed as an insured on the company’s business auto policy to have coverage.

Eliminating these coverage gaps can be complicated. While there's no simple solution, you do have a few options.

First, check with your employer to ensure you are allowed to use your company car for personal use. If you are not permitted to use the vehicle for personal use, then you need to ensure that you have a personal auto policy; and, obviously, don't use the company car for personal use.

Even if your company gives you permission to use your company car for personal use you probably won’t be covered for vehicles that you borrow or lease. Here are two options for this type of situation:

  • Purchase a Named Non-Owner Auto Policy. These policies are for those who do not own any automobiles but desire coverage for autos that they borrow or rent in their name. Coverage may be limited and some coverage exclusions may apply, so be sure to ask questions of your agent with regard to this policy.
  • Have your company add you to its business auto policy with a Drive Other Car endorsement. It adds the person(s) named in the endorsement and their spouse while using a covered auto for personal use. Again, coverage may be limited and exclusions may apply.

There are a few other options available depending on your personal situation. Wherever possible your best bet is to purchase a personal auto policy. It is difficult to match the insurance coverages included in a personal auto policy when it comes to the situations listed above. Another advantage of purchasing a personal auto policy is that in recent times, the homeowner insurance market has seen a rapid rise in premiums. Purchasing a personal auto policy can save you money on your homeowners insurance as most companies provide multi-policy discounts.

Insurance coverage for you and your company car can be complicated.  The options I've noted here are just a few that are available. Be sure to review your situation with us to be sure you are protected.

The coverages described above are in the most general terms and are subject to the actual policy conditions and exclusions. For actual coverage wording, conditions, and exclusions, refer to the policy or contact your independent agent. 

Post authored by David Clay. Originally published April 17, 2013. View original post at:


Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2016 Central Mutual Insurance Company. All rights reserved.




Posted by Brock Insurance | Topic: Topic2  | Category: Auto Insurance | 0 Comments | Leave a Comment

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