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Workers’ Compensation
21
Oct
How Claims History Affects Your Insurance Rates
Your claims history is one of the biggest factors an underwriter looks at when pricing your policy. A clean loss run signals lower risk and can help you get better rates, while frequent or costly claims, even ones still open and unresolved, can push your premium up or make it harder to get renewed at all. Here’s how that history
20
May
Worker Classification and Workers’ Compensation Costs in California Explained
When running a contracting business in California, one of the most important, and often misunderstood, decisions you’ll make is how to classify your workers. The difference between independent contractors (1099) and employees (W-2) doesn’t just affect taxes; it directly impacts your workers’ compensation costs. Understanding the nuances of 1099 vs W2 workers’ compensation in California can help you stay compliant,
6
May
Why Workers’ Compensation Audits Lead to Higher Costs for Contractors
For many contractors, workers’ compensation insurance feels straightforward: pay your premium, stay covered, and focus on the job. But then an audit hits, and suddenly there’s an unexpected bill. If you’ve ever wondered why your premium increased after the policy period ended, you’re not alone. A workers’ compensation audit for contractors is a standard part of the insurance process, but
18
Feb
What Are the Most Common Workers’ Compensation Claims in California?
Workers’ compensation is a critical safeguard for both employees and employers across California. For businesses, especially contractors and trade-based operations, understanding the most frequent Workers’ Compensation Claims in California can help reduce injuries, control insurance costs, and stay compliant with state law. At Artisan Insurance Solutions, we work closely with California contractors and small businesses to help them manage risk
18
Jun
General Liability Vs. Workers’ Comp: What Contractors Really Need
As an artisan contractor, you juggle many responsibilities, from mastering your craft to managing the business side of things. Insurance is a crucial part of that business management, but understanding the different types of coverage can be confusing. Two of the most important policies for contractors are general liability and workers’ compensation. While both protect your business, they cover very
