Tag Archives: contractor

Why Employers Use Uninsured Subcontractors – Unintended Consequences in Workers Compensation

Why are Employers surprised after a workers compensation audit to find they have been charged many thousands of dollars for payments they made to uninsured subcontractors? This problem never goes away! So it’s time to talk about it again! In … Continue reading

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Construction Safety Programs and Their Effect on Workers Compensation Experience Rating

Seems I write a lot on this blog about the experience modification rating, EMR, and how it effects an employers workers compensation premium. Many of these posts are geared towards readers from the construction industry where I often mention work comp claims … Continue reading

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Construction Industry Workers Compensation Claims and Problems Using the EMR as a Safety Indicator

Many of our readers are involved in the construction industry. They perform work either as a contractor, general contractor, subcontractor or in some other related support field like insurance or accounting. Workers compensation premium issues and the construction industry go hand … Continue reading

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Ghost Policies – A Workers Compensation Problem

I recently received an email from a small contractor in Georgia, an owner operator type, with no employees who is required to carry a workers compensation policy by the general (hiring) contractor providing him with work. He thought the whole thing … Continue reading

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