Word & Brown

MAY 19, 2025

When you partner with us, you can offer your eligible clients value-added extras like COBRA admin, a Premium Only Plan (POP), and/or ERISA services. Whether youre an independent broker or a captive agent, you can count on Word & Brown to deliver what you need to maximize your sales opportunities.

Broker

AMAXX

JULY 17, 2025

Click Link to Access Free PDF Download “How to Calculate Your Minimum Experience Mod, Controllable Premium & the Revenue Impact” Let’s look at how payroll and class codes affect your mod, and how to keep them accurate to protect your bottom line. means fewer-than-expected claims and lower premiums. A mod of 1.00

Workers Comp

Distinguished

MARCH 20, 2025

Today, we speak with Katie Vespia, President of Distinguisheds Real Estate program , to break down the common violations in the city, the fines and penalties imposed, the resolution process, and how these issues affect insurance coverage. These resources are invaluable for both property owners and insurance brokers when assessing risk.

Broker

Protect Commercial Insurance

JUNE 6, 2025

By customising your insurance, you ensure that you’re not overpaying for unnecessary coverage, nor are you left vulnerable by under-insuring your assets. This is where insurance brokers come in handy. Insurers assess the geographical risks and calculate your premiums accordingly.

Commercial Property

R&R Insurance

FEBRUARY 20, 2025

Workers compensation rates are state mandated in Wisconsin, meaning all insurance carriers must use the same rates resulting in premiums from one carrier to another are basically the same. the Good In general, a reduction of work comp rates result in reduced premium costs to contractors. HVAC Installation -14.6 Landscaping -6.3%

Workers Compensation

AMAXX

MARCH 24, 2025

In this final part of our series exploring the nine elements of independent premium audits, we turn our focus to specialized situations and nuanced adjustments auditors carefully evaluate. Auditors disallow estimates, making precise documentation vital to receiving the intended premium savings associated with this exception.

Workers Comp

AMAXX

MAY 19, 2025

The workers compensation system may feel like a complex web of insurance premiums, claims adjusters, and legal disputesbut at its core, its rooted in one simple idea: a compromise. From the adjuster to the physician, from the broker to the TPA, everyone is there to facilitate recovery and manage risk. All state laws vary.

Workers Comp

Distinguished

MARCH 6, 2025

Insurers view these violations as signs of deferred maintenance and increased risk. Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Landlord insurance which covers both liability and property damageis particularly sensitive to housing violations.

Building

AMAXX

JULY 15, 2025

Understanding the real impact of frequency versus severity on your experience modification factor (mod) is crucial if you want to keep your insurance premiums under control. Click Link to Access Free PDF Download “How to Calculate Your Minimum Experience Mod, Controllable Premium & the Revenue Impact” A mod of 1.00

Workers Comp

Distinguished

MARCH 19, 2025

Insurers view these violations as signs of deferred maintenance and increased risk. Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Are there specific types of insurance that are more sensitive to these housing violations?

Building

AMAXX

JUNE 17, 2025

Here’s why that matters: No indemnity payments = dramatically lower claim costs No lost time = claim is not classified as a lost-time claim Lower cost = improved experience mod and insurance premiums It’s not just about dollars. A high mod drives up insurance premiums—and those costs stay elevated for years.

Workers Comp

AMAXX

MAY 27, 2025

If you’re serious about lowering premiums, reducing claim durations, and improving outcomes for injured workers, start by identifying and correcting these ten common pitfalls. The carrier, the TPA, the broker, the doctorstheyre all supposed to handle it, right? All rights reserved under International Copyright Law.

Workers Comp

Simply Insurance

JUNE 15, 2025

(DBA Simply Insurance ® in Georgia) " Simply Insurance® is a licensed independent insurance broker and doesnt underwrite any insurance policy described on this website. The information provided on this site has been created by Simply Insurance ® for general, informational, and educational purposes.

Workers Comp

Property Insurance Centre

JUNE 29, 2025

Once the property becomes occupied again, your insurer will normally refund this to you, less their usual charges, and for time on risk as an empty property. Once the property becomes unoccupied, insurers will ask that you update them as soon as the property is occupied again.

Commercial Property

AMAXX

JULY 1, 2025

Reduce Costs Fewer injuries mean lower workers’ compensation premiums, fewer lost workdays, and higher productivity. Companies that reduce injuries: Spend less on claims and insurance premiums Keep productivity high Improve morale and retention Protect their brand reputation OSHA exists to “help employers prevent injuries.”

Injury

AMAXX

JULY 14, 2025

Click Link to Access Free PDF Download “How to Calculate Your Minimum Experience Mod, Controllable Premium & the Revenue Impact” Here’s how it works: When you report a medical-only claim (a claim without any lost time or indemnity payments), 70% of the cost is excluded from your experience modification factor (mod).

Claim

Simply Insurance

JUNE 16, 2025

(DBA Simply Insurance ® in Georgia) " Simply Insurance® is a licensed independent insurance broker and doesnt underwrite any insurance policy described on this website. The information provided on this site has been created by Simply Insurance ® for general, informational, and educational purposes.

Workers Comp

AMAXX

MARCH 4, 2025

Data from OSHA and the National Safety Council consistently show that businesses that invest in safety programs experience lower insurance premiums, fewer lost workdays, and improved productivity. You should consult with your insurance broker, attorney, or qualified professional. All state laws vary.

Workers Comp

Word & Brown

JUNE 21, 2025

Advanced Premium Tax Credit (APTC): A federal subsidy that helps eligible individuals purchase coverage. For other ideas on nurturing client relationships, read our other broker blogs. The post 4 Proven Ways to Educate Clients and Build Customer Loyalty appeared first on The Insurance Broker Blog. We post monthly.

Building

Simply Insurance

JUNE 16, 2025

For example, the long-term care insurance deduction for self-employed individuals differs from the long-term care premiums tax deductible for S corps. How Can I Get A Long Term Care Insurance Quote? In these situations, if you own more than 2 percent of the S Corp as a shareholder, the S Corp pays your insurance premium.

Deductible

Simply Insurance

JUNE 28, 2025

If youre looking for the cheapest homeowners insurance company in Maryland, look no further than Progressive. They offer various discounts, including multi-policy discounts, that can save you money on your premium. However, they are in the process of updating how they calculate risk and monthly premiums. Equity in Action.

Home Insurance

Distinguished

MARCH 21, 2025

In Chicago, housing code violations not only affect tenant safety and property values but also play a critical role in insurance risk assessments. Understanding these violationsfrom heating failures to structural hazardsis essential for insurance brokers advising property owners. Insurance brokers are pivotal in this arena.

Building

Word & Brown

APRIL 1, 2025

Individual Health Insurance Tax Deductibility If you offer individual health insurance to your clients, they may be able to include their health insurance premiums in their medical expense calculation on their taxes. Other health care-related expenses may also be deductible for your clients, depending on their incomes.

Deductible

Property Insurance Centre

FEBRUARY 10, 2025

We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Commercial Property

Distinguished

MARCH 17, 2025

In New York City, housing code violations challenge property owners, tenants, and insurance brokers alike. We speak with Katie Vespia, President of Distinguisheds Real Estate program , about common NYC violations, their fines, resolution processes, and the impact on insurance coverage.

Broker

Simply Insurance

JULY 11, 2025

(DBA Simply Insurance ® in Georgia) " Simply Insurance® is a licensed independent insurance broker and doesnt underwrite any insurance policy described on this website. The information provided on this site has been created by Simply Insurance ® for general, informational, and educational purposes.

Life Insurance

Simply Insurance

JUNE 16, 2025

About Life Event Statistics Discover the most up to date life event statistics in America and how they affect your insurance premiums. DBA Simply Insurance ® in Georgia) " Simply Insurance® is a licensed independent insurance broker and doesnt underwrite any insurance policy described on this website.

Workers Comp

Word & Brown

JUNE 19, 2025

Your compiled list might mention a range of topics, including: premiums employer share of cost employee share of cost provider networks copays coinsurance employee choice flexibility transparency customization administration communications What can you do? It could also include fully insured plans, self-funding, level funding, etc.

Broker-Agent

Zywave

MARCH 3, 2025

” If you don’t have the opportunity to check out the full webinar, read on for key insights from the discussion and actionable advice for insurers, brokers, and policyholders. And when you take into consideration that Direct Premiums Written (DPW) increased by 2.0%

Casualty Insurance

Zywave

JULY 2, 2025

They provide the insurers, brokers and service providers that use Zywave solutions with a Performance Multiplier designed to drive profitable growth in an environment of escalating risk. Together, these updates empower brokers, insurers, service providers, and the end users they serve to work smarter and faster than ever before.

Broker

Simply Insurance

JUNE 12, 2025

Is landlord rental insurance worth it? Landlord insurance is worth it as a landlord to mitigate your risk and protect yourself from financial loss. However, you should always ensure that the monthly premium doesnt cost more than what your property brings in on average every month; otherwise, it wont be worth the cost of coverage.

Insurance Quotes

Simply Insurance

JUNE 10, 2025

Is landlord rental insurance worth it? Landlord insurance is worth it as a landlord to mitigate your risk and protect yourself from financial loss. However, you should always ensure that the monthly premium doesnt cost more than what your property brings in on average every month; otherwise, it wont be worth the cost of coverage.

Insurance Quotes

Simply Insurance

JUNE 12, 2025

Disability Insurance Rates By Benefit Period How Much Is Benefit Period in Disability Insurance a Month? The cost of disability insurance by benefit period can vary. Heres a quick look at how different benefit periods can affect your monthly premiums. Heres how different occupations might affect your premiums.

Insurance Quotes

Simply Insurance

JUNE 23, 2025

If youre looking for the cheapest homeowners insurance company in Illinois, look no further than Progressive. They offer various discounts, including multi-policy discounts, that can save you money on your premium. However, they are in the process of updating how they calculate risk and monthly premiums. Equity in Action.

Home Insurance

Simply Insurance

JUNE 9, 2025

Is landlord rental insurance worth it? Landlord insurance is worth it as a landlord to mitigate your risk and protect yourself from financial loss. However, you should always ensure that the monthly premium doesnt cost more than what your property brings in on average every month; otherwise, it wont be worth the cost of coverage.

Insurance Quotes

Simply Insurance

JUNE 15, 2025

If youre looking for the cheapest homeowners insurance company in Arizona, look no further than Progressive. They offer various discounts, including multi-policy discounts, that can save you money on your premium. However, they are in the process of updating how they calculate risk and monthly premiums. Equity in Action.

Home Insurance

Simply Insurance

JUNE 3, 2025

Remember, the deductible you choose will affect your monthly premium, the lower the amount of coverage you want, the higher your premiums. If you choose a higher deductible, your premiums will be lower. If you have a lower deductible, the insurance company is on the hook for more money. (DBA

Deductible