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Category: Workers Compensation and Contractors

Contracting Classification Premium Adjustment Program – CCPAP – What it is and how it works

October 3, 2012 Randy Sieberg, CIC, ARM, CRM

The Contracting Classification Premium Adjustment Program otherwise known as CCPAP is a workers compensation premium discount program for contractors. This…

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Posted in: Workers Compensation and Contractors Filed under: CCPAP, contracting classification premium adjustment program, contractor credit, premium credit, premium modifier

Experience Modification Calculation Changes – The Effect on Contracting Clients

September 11, 2012 Randy Sieberg, CIC, ARM, CRM

With upcoming changes to the Experience Modification or E-Mod calculation now taking effect we’ve been asked about how this action…

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Posted in: Workers Compensation and Contractors Filed under: bidding, contractors, e-mod, emr, experience mod factor, NCCI, split point, subcontractors

How Contractors Can Avoid A Costly Workers Compensation Audit

July 19, 2012 Randy Sieberg, CIC, ARM, CRM

There’s nothing worse than receiving a large unexpected workers compensation audit bill. And for contractors there are two recurring mistakes they…

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Posted in: Workers Compensation and Contractors Filed under: audit disputes, proper payroll records, separation of payroll, unexpected audit bill, uninsured subcontractors

Employer Charged Premium For Not Completing Workers Compensation LLC Rejection Form

June 29, 2012 Randy Sieberg, CIC, ARM, CRM

We received a call from an insurance agent based in Missouri asking for help. His client was being charged additional…

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Posted in: Workers Compensation and Contractors Filed under: coverage rejection forms, llc members, missouri, premium problem, workers compensation

Independent Contractors; Workers Compensation and State Rules – Misclassified Employees?

May 7, 2012 Randy Sieberg, CIC, ARM, CRM

Spurred on to address the ever-growing problem of mis-classifying employees on a workers compensation policy as independent contractors many states…

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Posted in: Audit Problems, Contractors, Lesson Learned, Workers Compensation Audit Filed under: audit, independent contractors, misclassified employees, state penalties, workers compensation

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