In recent years, captive insurance companies have consistently outperformed commercial market insurers. This success is attributed to their balance sheet strength, operational performance, and specialized business models. Captives offer significant advantages, giving organizations a competitive edge in risk management and financial control. Here are seven...

Every year, Prevent Blindness, the eye health and safety organization, recognizes March as Workplace Eye Wellness Month. This annual campaign is intended to raise awareness of potential eye hazards in the workplace and encourage employees to take their eye health seriously. According to Prevent Blindness, thousands...

Workers’ compensation insurance is one of the largest expenses for staffing companies and professional employer organizations (PEOs). Due to the high-risk nature of temporary staffing, complex employee classifications, and frequent policy audits, securing cost-effective and compliant coverage can be a challenge. Many staffing firms turn to...

An experience modification rating (EMR) provides a numeric factor for adjusting insurance premiums. An experience modification worksheet, often referred to as an experience rating worksheet or experience mod worksheet, is important in workers’ compensation insurance. When a company receives an experience rating, it is accompanied by...