Workers’ Compensation Insurance

Generally, workers’ compensation benefits do not cover injuries unless they happen “in the course and scope of employment.” Consequently, workers’ compensation insurance doesn’t normally cover an employee while they commute to and from work. However, several exceptions exist and in a few recent cases they’ve...

Businesses that create a safer workplace often have a lower Experience Modification Rate, or EMR. A lower EMR usually means lower Workers’ Compensation premiums and an improved perception of your company. The following is a brief explanation regarding EMR calculations, the factors that can impact them,...

Workers in assisted living and nursing home facilities face unique risks. They must lift and move patients frequently which can lead strains, sprains and chronic injuries if not done properly. However, following proper safety procedures limits these risks, improves patient and employee safety, and reduces insurance...

Improving employee safety reduces Workers’ Compensation claims, improves productivity and morale, and lowers insurance premiums. According to the 2016 Pennsylvania Workers’ Compensation & Workplace Safety Annual Report, 159,170 injuries and 77 deaths occurred in the workplace. The most claims occurred in Educational & Health (hospitals, nursing...