Please review the following risk questions to see if they apply to your operation.
- Are you with an insurance company which is non-admitted and not under the jurisdiction of insurance commissioner?
- Does your pollution policy provide coverage for both on and off premises claims?
- Do you have a documented safety program with an active safety committee? Are you OSHA compliant?
- Do you pay Workers Compensation premium with your payroll to avoid surprise additional premium audits?
- Are sub-contractor insurance certificates reviewed for both Workers Compensation and Completed Operations including after they leave the job?
- Do you really understand how experience modification rating works and are open reserves reviewed prior to deadline for experience rating?