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  Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or partner(s) unless they elect coverage for themselves. This can leave a gap in workers’ compensation coverage as shown below:      What does this mean to you?  Sole Proprietors & Partner(s) – Make sure you have elected the proper coverage as most companies already expect that you have it in place. You have bills to pay and could be injured ...

The Workers Compensation Rating and Inspection Bureau of Massachusetts (WCRIBMA) has announced the payroll determination for sole proprietors, partners of legal partnerships, and members of an LLC effective October 1, 2015.   The salary basis of premium for sole proprietors, partners of a legal partnership, and members of an LLC who elect to become employees and obtain workers' compensation insurance coverage is a function of the Statewide Average Weekly Wage (SAWW) and is calculated as ...

Effective January 1, 2015, new OSHA (The U.S. Department of Labor's Occupational Safety and Health Administration) regulations go into effect regarding injury reporting and record-keeping requirements when an employee suffers a severe work-related injury or is killed on the job. The objective is to improve workplace safety by focusing OSHA resources and holding employers accountable for preventing workplace injuries and fatalities, which numbered 4,405 in 2013. The rule expands the list of severe work-related injuries that all ...

The Commonwealth of Massachusetts Department of Industrial Accidents (DIA) is changing the process for submitting the Form 101 Employers First Report of Injury, which is required if an employee is injured and will lose 5 or more business days of work.  Beginning January 1, 2014, the DIA will no longer accept paper copies of Form 101 Employers First Report of Injury (FRI) and will require electronic submission of ALL First Reports of Injury.  You ...

Workers' compensation policies issued to Sole Proprietors and Partnerships do not provide coverage for the individual sole proprietor or partner(s) unless they elect coverage for themselves. This can leave a gap in workers’ compensation coverage as shown below:    What does this mean to you? Sole Proprietors & Partner(s) – Make sure you have elected the proper coverage.  If you are performing work for someone, most companies expect that you would have Workers' Compensation coverage in place covering ...

ways to manage workers’ comp insurance costs Get certificates from subcontractors.  If you hire subcontractors, obtain a certificate of insurance from each one in advance and review it to avoid unexpected charges. Pay special attention to certificates from sole proprietor and partnership subcontractors. If a sole proprietor or partner is excluded on the certificate and they have no other employees, you are responsible for their workers’ comp costs. Be sure the proper workers’ compensation classification codes are ...

Do you or your employees go across state borders to work in other states? If so, be sure your Workers’ Compensation policy covers these additional workplaces. For example, the State of New Hampshire recently began to enforce its law requiring employers with any employee doing any work in New Hampshire to show NH in Item 3A of its Workers’ Compensation policy. What is item 3A?  It shows the states where you have employees working. If your employee is injured in ...

 

The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.