Creating Safer Workspaces

Written By Charlotte Insurance on September 3, 2019. It has 0 comments.

hard hats belonging to a company that follows workplace safety guidelines

While you can’t prevent all accidents or workers’ compensation claims, you can create a safer workspace for your employees and yourself. Doing so will keep your employees out of harm’s way and your costs down. Here’s how you can create a safer work area for your employees. Provide Safety Training Common sense isn’t always common, […]

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Domestic Employees and Workers’ Comp Insurance

Written By Charlotte Insurance on June 27, 2019. It has 0 comments.

cleaning supplies belonging to a domestic employee who may be entitled to workers' compensation insurance in NC

Hiring someone to help you with a new baby can be a huge help when you’re running a business or trying to deal with older kids. Some families hire a caregiver to help with their elderly parents so they can age at home — safely and with proper care. No matter what kind of help […]

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Misclassifying Employees: A Risk Not Worth Taking

Written By Charlotte Insurance on January 18, 2018. It has 0 comments.

Misclassifying your employees as independent contractors can seem pretty tempting. You’ll pay less in federal and state taxes and for your workers’ compensation insurance. In the short term it might seem like a great cost-saver and way to increase your bottom line. But in the end, it’s really a terrible idea. Here’s why you shouldn’t misclassify employees — no matter how tempted you might be.

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Start the New Year Off Right with an Account Review

Written By Charlotte Insurance on December 21, 2015. It has 0 comments.

The new year is a time to set new goals, make new plans, and dream new dreams. It’s also a time to get yourself on the right track for the year ahead. Having the right insurance policies in place is an excellent way to make sure that, when life happens (and it will), you’re covered.

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Common Types of Insurance Fraud

Written By Charlotte Insurance on April 10, 2015. It has 0 comments.

While average people are often perfectly honest and would never think to commit fraud against anyone, there are plenty of people who are not. Insurance fraud may seem harmless enough, but when schemers are paid money they’re not due, the result is higher premiums for everyone. Insurance fraud is expensive and illegal. Honest, law-abiding citizens are encouraged to report insurance fraud when you see it. Take a look at these common types of insurance fraud so you know what it looks like.

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Workers Compensation Ghost Policies

Written By Charlotte Insurance on April 7, 2015. It has 0 comments.

Inexpensive Charlotte workers compensation insurance coverage sounds like a dream, doesn’t it? For small business owners with no employees, who are typically exempt from workers compensation, it can be a lifesaver – or at the very least, a business-saver.

Ghost policies are a type of workers comp coverage that satisfies mandated requirements for single proprietors or self-employed business owners. When a job requires coverage but you are exempt from needing workers compensation, ghost policies step in to fill the gap at a lower cost. The only thing ghost policies do is fill a requirement for a company or government entity that might be hiring contractors. They don’t provide any actual coverage.

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The Importance of having a Trusted Workers Compensation Advisor

Written By Charlotte Insurance on February 27, 2015. It has 0 comments.

$18,250 – $36,500 in fines, even if there are no workplace injuries – that’s what you could expect if your business is caught without workers’ compensation insurance coverage for a year.

The North Carolina Workers’ Compensation Act requires most businesses with three or more employees to obtain workers’ compensation insurance with few exceptions. While your employees can opt out of coverage, you cannot. Not providing workers’ compensation can be a very expensive mistake.

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