Insurance Learning Center

BUSINESS INSURANCE

Why Is Your OSHA DART Rate important?

Why is Your Osha Dart Rate Important? Like your incidence rate, which is based on how many incidents per year per 100 employees you have, your DART... READ MORE

BUSINESS INSURANCE

​How to Help Your Business and Municipalities In The Event of a Hurricane

Hurricane Planning In New Jersey With the impending hurricane season upon us, it’s great to have a better understanding of how you can protect your... READ MORE

BUSINESS INSURANCE

How is my Workers Compensation experience mod factor calculated?

How My Workers Compensation Experience Mod Factor is Calculated The process of calculating the experience modification factor is complex, but the u... READ MORE

BUSINESS INSURANCE

For the 9.5% affordability test, use the Box 1 total on the individual’s W-2, but does that Box 1 include FSA contributions made by the employee?

Insurance Affordability Test Box 1 reports total taxable wages for federal income tax purposes. This figure includes wages, salary, tips reported, ... READ MORE

AUTO INSURANCE

What are the minimum amount of hours employees have to work to be eligible for health benefits?

What are the minimum amount of hours employees have to work to be eligible for health benefits? January, 2016 has created a ripple of differen... READ MORE

BUSINESS INSURANCE

How is Workers Compensation premium determined?

Workers Compensation Premium Determined Your workers’ compensation insurance premium is based on a rating your company has, which is based on payro... READ MORE

BUSINESS INSURANCE

​How to Be Prepared for a Disaster in Your Business

Disasters In Business What if something went wrong in your business? Are you protected? Do you know what needs to happen in case of an emergency?&n... READ MORE

BUSINESS INSURANCE

How is a DART Rate Calculated?

How is Dart Rate Calculated To calculate the DART rate, first you’ll need to find out the total number of injuries that required at least one day a... READ MORE

BUSINESS INSURANCE

How does my mod affect my premiums?

How Does My Mod Affect My Premiums The mod factor represents either a credit or debit that is applied to your workers’ compensation premium. A mod ... READ MORE

BUSINESS INSURANCE

How do the employer mandate penalties work if an employer does offer coverage?

How Do Employer Mandate Penalties Work If The Employer Does Offer Coverage Penalty B “offer of coverage must meet minimum value and be affordable”.... READ MORE

BUSINESS INSURANCE

How do the employer mandate penalties work if an employer does not offer coverage?

How Do Employer Mandate Penalties Work If The Employer Does Not Offer Coverage Penalty A “no offer” penalty. In 2015 the “no offer” penalty will... READ MORE

BUSINESS INSURANCE

How can I reduce my Workers Compensation costs?

How Can I Reduce My Workers Compensation Costs Workers’ compensation is designed to recompense employees for injuries or illnesses they suffer in t... READ MORE

AUTO INSURANCE

How a Claim Differs from a Suit

Claim Vs Suit Insurance Claims: It is a formal request, presented in paper form or online, to an insurance company that asks for a pay... READ MORE

CASE STUDIES

Hit a Pothole? Is it Covered?

Pothole Insurance Coverage Did You Hit a Pothole? We Have The Answers. You're driving your car on a beautiful fall weekend. You're with your chi... READ MORE

AUTO INSURANCE

Halloween Safety Tips

Halloween Safety Tips Children and adults enjoy the different activities like trick-or-treating, going to Halloween costume parties, creative decor... READ MORE

BUSINESS INSURANCE

Does it make a difference if a group is a large or small group when determining whether employees are eligible for a subsidy?

Eligibility In a Large or Small Group of Employees for a Subsidy A person is not eligible for a subsidy (in most cases) if they are eligible for co... READ MORE