by David Schek | Dec 7, 2017 | News, Workers Comp, Workers' Compensation Insurance
For the majority of staffing companies, the answer is YES. Most staffing companies are required to have workers’ comp, no matter the number of employees. Workers’ compensation is governed by state. Meaning, many aspects of workers’ comp requirements will vary from state to state.
The following states have exceptions to the blanket statement that workers’ comp is always required:
- Alabama: Required after the fourth employee.
- Florida: Required after the fourth employee. However, construction businesses are required to always carry the insurance.
- Georgia: Required after the third employee.
- Michigan: Required once one employee is hired and works 35 hours a week for at least 13 weeks during the previous 52 weeks. Or it is required after the third employee.
- Mississippi: Required after the fifth employee.
- Missouri: Required after the fifth employee. However, contractors with just one employee must be covered.
- New Mexico: Required after the third employee. However, construction businesses are required to always carry the insurance.
- North Carolina: Required after the third employee.
- South Carolina: Required after the fourth employee.
- Tennessee: Required after the fifth employee, unless in the construction business or trades. These businesses are always required to carry insurance, in fact, owners are also required to carry coverage on themselves or be listed on the exemption registry.
- Virginia: Required after the third employee.
- Wisconsin: Required after the third employee.
- Texas: The insurance is not required.
No matter which state your staffing business operates in, Work Comp Staffing Solutions highly recommends you acquire work comp insurance to protect your business.
Visit our web site at www.StaffingCompSolutions.com, call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our staffing and workers’ comp offerings.
Sincerely
David Schek
President
StaffingCompSolutions.com
by David Schek | Nov 16, 2017 | News, Workers Comp, Workers' Compensation Insurance
I find many staffing companies turn to their General Liability agent for their workers compensation solution. Unfortunately, most G/L Agents do not know staffing work comp insurance very well, and often propose a State Fund solution for their staffing client. While the State Fund may be the “easy solution” for the Agent, it is often more expensive than other comp options- which require greater expertise of the staffing business and staffing work comp market.
As a former owner of a large staffing company that employed over 20,000 employees per year (and operated in 35 States,) I know that selecting the right work comp program is critical to making money in staffing– especially when profit margins are shrinking fairly regularly.
Wise owners of small and large staffing companies should always be evaluating their work comp costs, and seeking quotes from a variety of solutions to try to lower their rates.
Now is the time to visit our web site at www.StaffingCompSolutions.com. Call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our workers’ compensation offerings for your staffing company.
Sincerely
David Schek
President
StaffingCompSolutions.com
by David Schek | Nov 9, 2017 | News, Workers Comp, Workers' Compensation Insurance
After more than 28 years of helping staffing company owners evaluate all their workers compensation options, I find many are unaware of the multitude of options that can save them money, and make their back office operations more streamlined.
For example, sometimes the State Fund is the right choice. In other instances, a Professional Employer Organization (PEO) makes more economic sense. Additionally, some staffing owners find that an Employer Of Record (EOR) solution is best for them. And still others who have good work comp histories, and generate enough guaranteed premium, will find that a direct carrier policy or captive, can be more cost effective.
At Work Comp Staffing Solutions, we apply our 28 years of staffing work comp and operations experience, to find the best, and least expensive solution for you.
Visit our web site at www.StaffingCompSolutions.com, call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our staffing and workers’ comp offerings.
Sincerely
David Schek
President
StaffingCompSolutions.com
by David Schek | Oct 26, 2017 | News, Workers Comp, Workers' Compensation Insurance
Employers beware. Those Halloween costumes, haunted houses, and themed Halloween workplaces can be work accidents waiting to happen. To be liable, the injury must have occurred on an employer’s premises and contain a degree of employer sponsorship.
Case in point: an accounting firm set up a stock room Halloween maze. A temp worker was running from a chainsaw wielding masked killer, ran into a wall and broke her nose. In another instance, an employee was sitting on a stool doing some work when a colleague in a mask jumped up and scared her causing her to fall and fracture a rib. There is also the inevitable trip and fall on a costume that’s too big, or the sudden illness from Halloween goodies left in the break room.
Employers also need to be aware of the most recent concerns about certain costumes that may be considered “inappropriate.” These costumes may constitute harassment or encourage stereotypes, which could make employees feel uncomfortable. In extreme situations, this could cause trauma that leads to a workers’ comp claim.
As innocent as it may seem, some of these hijinks can lead to serious injury and increased workers’ comp costs. Work Comp Staffing Solutions has many workers’ comp and general insurance solutions to keep your insurance rates as low as possible.
Visit our web site at www.StaffingCompSolutions.com, call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our staffing and workers’ comp offerings.
Sincerely
David Schek
President
StaffingCompSolutions.com
by David Schek | Oct 12, 2017 | News, Workers Comp, Workers' Compensation Insurance
Some staffing companies compare a work comp audit from the State Fund like going to the dentist for a check-up, and walking out of the office 12 hours later feeling like they just had a root canal.
Work Comp Staffing Solutions has all options of workers’ compensation programs available for quoting, for new and small staffing companies, who do not want to be distracted by the lingering pain of a root canal aka “work comp audit.” An Employer of Record (EOR) or Professional Employer Organization (PEO) program is often the best option. These 2 options are “pay as you go plans,” and have no audit requirements.
Please feel free to contact Work Comp Staffing Solutions for an analysis of your current workers’ compensation program, and let’s see if we can reduce or eliminate future visits from your “friendly” neighborhood work comp auditors.
Visit our web site at www.StaffingCompSolutions.com, call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our staffing and workers’ comp offerings.
Sincerely
David Schek
President
StaffingCompSolutions.com
by David Schek | Sep 28, 2017 | News, Workers Comp, Workers' Compensation Insurance
- Pamela P. in Ca.- uses a Work Comp Staffing Solutions Employer of Record and Payroll Funding Solution for her traveling nurse business.
“working with David was great. Very responsive and knows the staffing industry inside and out.”
- Mike B. in Ga. uses a Work Comp Staffing Solutions Ga. State Fund Solution for his light industrial staffing business.
“We are a start up, but David worked closely with us to get a State fund and G/L policy.”
- Fred A. in IL. uses a Work Comp Staffing Solutions Professional Employer Organization Solution
“Thanks David for your PEO solution. They have great service and luckily they serve IL, which is a tough state for staffing cos comp.”
- Patrick L. in MD uses a Work Comp Staffing Solutions Employer of Record Solution for his Light industrial staffing firm.
“Work Comp Staffing Solutions found me a non-state fund comp program that did not require any upfront premium, and this really helped my cash flow. Now my light and heavy industrial business is on better financial footing.”
And here are a few more clients that signed up with a Work Comp Staffing Solutions work comp solution this summer:
- Brandon M. in Ca.- uses a Work Comp Staffing Solutions solution that will allow his new Ca. IT staffing company to staff throughout the US.
- Melanie H. in MO- uses a Work Comp Staffing Solutions Employer of Record Solution that specializes in healthcare.
- Stephen’s W. in NJ. new staffing co uses a Work Comp Staffing Solutions Employer of Record Solution that focuses on community care centers.
- Gerald S. uses a Work Comp Staffing Solutions Employer of Record Solution for his 10 state staffing business– he was using Everest for the last 5 years but switched for better rates and service.
- AJ- Work Comp Staffing Solutions secured State fund policies so his new staffing co can staff cell tower maintenance personnel in multiple states.
Work Comp Staffing Solutions has many workers’ comp and general insurance solutions to keep your insurance rates as low as possible. Watch for many more updates about new Work Comp Staffing Solutions clients this fall.
Visit our web site at www.StaffingCompSolutions.com, call us at 202-302-1212, or email us at david@StaffingCompSolutions.com for more information about all our staffing and workers’ comp offerings.
Sincerely
David Schek
President
StaffingCompSolutions.com
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