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Consent to rate is a term used by insurance companies to charge more premium than typically allowed. Why? Well,  in workers’ compensation, either the state sets the rates to be charged on workers’ compensation classifications or the insurance company has filed their individual rates that they intend to charge each classification. Insurance companies can only

Let’s talk Farm Safety.  Agriculture, at its core, is not just a vital industry for food production but also one that comes with its unique set of risks and challenges, especially during the labor-intensive spring planting season. As the preparations begin on the farm for planting begin, it becomes crucial to emphasize safety and effective

Managing the operational costs effectively for your business is important to the overall financial health of the company.  For long term success of any business, properly developing a strong risk management and comprehensive insurance program is crucial.  A key part of any risk management plan or insurance plan is workers compensation coverage which is based