If you’ve ever bought workers’ compensation insurance online in ten minutes flat, you probably didn’t think twice about the “class code” box you clicked through. You should have. That code determines your rate, defines what your policy actually thinks your…
If you carry a workers’ compensation policy, you’re going to face an audit — it’s not a matter of if, but when. For a lot of business owners, that word alone causes some anxiety. But a work comp audit isn’t…
If you run a tree care, arborist, or tree removal company in Missouri, Arkansas, or Kansas and you’ve been shopping for workers’ compensation, you already know the problem: fewer and fewer carriers want this class of business. Tree work sits…
A sub tells you they’re covered. You get a certificate of insurance. Everyone moves on with the job. Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
What Missouri Contractors Need to Know Before Buying One. If you’re a sole proprietor or independent contractor in Missouri, there’s a good chance a general contractor has asked you for a certificate of insurance proving you carry workers compensation coverage.…
By Kirk Reisner, AIC — Partner, MBG Insurance Talk to enough small business owners about insurance and you hear the same frustrations on repeat. “I never hear from my agent until renewal.” “My certificate requests take a week.” “I got…
Verifying Workes’ Compensation Insurance in Arkansas protect you. By Brandon Thompson, CWCA — CEO, MBG Insurance When you hire a contractor, a lawn crew, a roofer, or any business that sends workers onto your property or job site, you’re trusting…
Is That Contractor Really Covered? How to Verify Workers’ Compensation Insurance in Missouri By Kirk Reisner, AIC — Partner, MBG Insurance I started my insurance career as a claims adjuster before I ever sold a policy, and I’ll tell you…
If you’re a general contractor in Missouri, you’ve heard every version of this argument: “I’m exempt.” “I’m just a one-man shop.” “I’ve never had a claim in 20 years.” “You’re the only GC who asks for this.” Here’s the problem:…
