Select your operating region to find tailored payroll, workers comp, and liability insurance guides.
A complete guide to WCB requirements, costs, and coverage for construction businesses operating in Alberta.
Read article →Learn why General Liability and Course of Construction insurance are the foundation of risk management for general contractors in Alberta.
Read article →Discover the most common and expensive payroll errors made by small businesses in Alberta and how to fix them.
Read article →Avoid massive fines by understanding the exact legal differences between contractors and employees in Alberta.
Read article →Having trouble finding WCB coverage in Alberta? Learn how the assigned risk pool works.
Read article →A complete guide on what employers in Alberta should do when a WCB claim is denied.
Read article →Explore pay-as-you-go and no-deposit WCB options for Alberta businesses.
Read article →Calculate your true risk and determine if your Alberta business needs a commercial umbrella policy.
Read article →The hidden costs of workplace accidents in Alberta can destroy your profit margins.
Read article →What it means when a Alberta client asks to be named as an 'Additional Insured' on your policy.
Read article →Simplifying complex insurance requirements for construction contracts in Alberta.
Read article →Understanding how attorney fees impact WCB settlements in Alberta.
Read article →Why growing businesses in Alberta are ditching in-house HR for specialized providers.
Read article →Employer rights and restrictions when an employee is out on a WCB claim in Alberta.
Read article →Should your Alberta business offer earned wage access to your employees?
Read article →What subrogation means for your liability and WCB policies in Alberta.
Read article →A complete guide to workers compensation requirements, costs, and coverage for construction businesses operating in Florida.
Read article →Learn why General Liability and Course of Construction insurance are the foundation of risk management for general contractors in Florida.
Read article →Discover the most common and expensive payroll errors made by small businesses in Florida and how to fix them.
Read article →Avoid massive fines by understanding the exact legal differences between contractors and employees in Florida.
Read article →Having trouble finding workers compensation coverage in Florida? Learn how the assigned risk pool works.
Read article →A complete guide on what employers in Florida should do when a workers compensation claim is denied.
Read article →Explore pay-as-you-go and no-deposit workers compensation options for Florida businesses.
Read article →Calculate your true risk and determine if your Florida business needs a commercial umbrella policy.
Read article →The hidden costs of workplace accidents in Florida can destroy your profit margins.
Read article →What it means when a Florida client asks to be named as an 'Additional Insured' on your policy.
Read article →Simplifying complex insurance requirements for construction contracts in Florida.
Read article →Understanding how attorney fees impact workers compensation settlements in Florida.
Read article →Why growing businesses in Florida are ditching in-house HR for specialized providers.
Read article →Employer rights and restrictions when an employee is out on a workers compensation claim in Florida.
Read article →Should your Florida business offer earned wage access to your employees?
Read article →What subrogation means for your liability and workers compensation policies in Florida.
Read article →Workers comp for construction companies is typically more expensive than other industries due to higher injury risk, but costs vary widely depending o...
Read article →An assigned risk pool for workers comp is a state-managed program that provides insurance coverage to businesses that have been denied by private carr...
Read article →Workers comp insurance can often be issued the same day, depending on your business type, risk level, and how complete your application is. For many b...
Read article →What Small Businesses Should Look for in Workers Comp Key Criteria Approval flexibility: Can the provider handle high-risk or non-standard businesses...
Read article →If your workers comp denied application was rejected, the next step is to identify the reason, correct any issues, and apply with a provider that spec...
Read article →No deposit workers comp allows businesses to start a policy without paying a large upfront premium. Instead of a significant initial payment, costs ar...
Read article →Most people need at least $1 million in umbrella insurance, but the right amount depends on your net worth, income, and risk exposure. A common rule i...
Read article →When a workplace accident occurs, it can create both direct and indirect costs for employers. In workers’ compensation, direct costs usually include m...
Read article →What is a Certificate of Insurance (COI)? A Certificate of Insurance (COI) is a document from an insurance company that proves you have insurance cov...
Read article →Imagine this scenario: One of your best employees slips on a wet floor, suffers a serious back injury, and suddenly you’re facing a workers’ compensat...
Read article →When a workplace injury occurs, employers often focus on medical coordination, modified duty, and getting the claim handled correctly. But many busine...
Read article →Whether you run a construction firm in Salem or a clinic in Eugene, understanding Oregon workers’ comp insurance is essential. The system includes str...
Read article →If you own a business in Memphis, Nashville, or anywhere across the state, Tennessee workers’ comp insurance isn’t just about compliance—it’s about pr...
Read article →Picture this: Your HR manager just resigned, payroll is due in three days, an employee filed a workers’ compensation claim, and a compliance audit is...
Read article →It’s a common and stressful question after a workplace injury: can you be fired on workers comp? When you’re dealing with medical care, time away from...
Read article →Imagine this scenario: One of your most reliable employees approaches HR on a Tuesday afternoon, visibly stressed. Their car broke down unexpectedly,...
Read article →If you’re a business owner or HR professional who spends late nights dealing with payroll issues, compliance questions, or rising benefits costs, you...
Read article →Imagine this scenario: One of your employees is injured on the job when a delivery driver runs a red light and crashes into your company vehicle. Your...
Read article →Workplace injuries happen every day in the United States. If you’ve been hurt at work—or want to be prepared—understanding how to use workers comp hel...
Read article →It’s possible to have several claims in one policy year, stay within your per-occurrence limit each time, and still run out of coverage. That happens...
Read article →It’s payday, and employees expect accurate, on-time pay. Managing payroll in-house often means tracking hours, applying overtime rules, handling deduc...
Read article →If you’ve ever hired independent contractors, you’ve probably asked: can you waive workers compensation for contractors? This is a common—and critical...
Read article →Misclassified employees can cost a business thousands each year in workers compensation premiums. Misclassification can also surface during an audit,...
Read article →When an employee finds a paycheck error and gets bounced between HR and payroll, it usually signals unclear ownership. Most organizations split respon...
Read article →Single Touch Payroll (STP) is the Australian pay-run reporting system that sends payroll data to the Australian Taxation Office (ATO) each time you pa...
Read article →When an employee is injured at work, financial uncertainty often follows. Medical expenses can increase, income may be interrupted, and workers compen...
Read article →Being placed in the wrong four-digit class code can raise your workers compensation premium by thousands of dollars. Misclassification happens, and it...
Read article →Many business owners ask the same question: how much is business insurance for my company? There is no single answer because commercial insurance cos...
Read article →A single lawsuit can cost a construction business hundreds of thousands of dollars in defense costs and settlements. For general contractors, what ins...
Read article →Imagine this scenario: One of your employees suffers a serious injury on the job. You file a claim with your workers compensation provider, expecting...
Read article →E&O Do you need Professional LIability (E&O)? Most contractors assume only the engineer or architect need Profess...
Read article →Important Endorsements Waiver of Subrogation – In regards to insurance and contractors, if you the contractor are asked to provide a waiver o...
Read article →Boiler & Machinery Boiler & Machinery insurance covers direct damage to covered property when caused by a...
Read article →RC vs ACV There are several different methods by which your insurance company may calculate the amount it will pa...
Read article →Subrogartion Waiver of Subrogation In regards to insurance and contractors, if you the contractor are asked to provide a waiver of subrogatio...
Read article →Claims Prevention How to (almost) never have an insurance claim in residential construction Many contractors will proudly exclaim to us that...
Read article →Flood What is Flood Insurance? Flood insurance is a special policy that is federally backed by the NFIP and available for homeowners, renters...
Read article →Entire List Continues What is Employment Practices (EPL) Insurance?Employment Practices Liability Insurance is a relatively new form of liabi...
Read article →EDP Electronic Data Protection CoverageYour standard property policy provides very limited if any coverage for your computers, tablets, lapto...
Read article →Pollution Most General Liability policies exclude Pollution. This coverage is designed to pay a 3rd party – someone else. You may think that...
Read article →Workers Comp Calculated Employee Classification Employees are grouped according to the type of work they perform....
Read article →Fleet Management As a contractor in the State of Florida, the top source of any claims you might have other than Workers Comp will be your ve...
Read article →BAP vs PAP Do you need a Business Auto Policy (BAP) or is your Personal Auto Policy (PAP) adequate? Although eve...
Read article →Crime The following are all crime coverages that typically respond to claims where an employee has committed an a...
Read article →Work Comp Fraud Here are a few tips to detect WC fraud Injury was not reported promptly to a supervisor No one w...
Read article →Florida Work Comp Rules If you are a contractor in The State of Florida, you are required to have Workers Compensation even if you are the on...
Read article →Insurance Glossary Insurance and Risk Management Terms A A201 Construction Contractabandonmentabatement“absolute” exclusionsabsolute pollutio...
Read article →License Bond Rates Please note: License Bond, Financial Stability Bond, and 660 Bond are all names for the same bond! The rates listed below...
Read article →Property Property Values: The property values on your policy are typically derived from the values you provide to...
Read article →Common Exclusions Completed Operations – Once you have left a job site, completed a substantial portion of your work, or the completed projec...
Read article →Builders Risk Some common Builders Risk features: The main feature of builders risk insurance is the type of stru...
Read article →The Your Work Exclusion Understanding The “Your Work” Exclusion Your General Liability policy is not intended to be a “wa...
Read article →Credit Score Tips Three “Quick” Tips to improve your credit score: Note: Our lawyer-guy wants us to remind you th...
Read article →Common Coverages This is a short list of common coverages contractors may want to consider. Click on the red hyp...
Read article →Skanska Congratulations on prequalifying as a Skanska subcontractor. That fact alone says you are a good contractor with...
Read article →Auto App Disclaimer Call us at 888-688-6612 extension 3 if you are having problems completing this application. FLORIDA FRAUD STATEMENT: ”An...
Read article →Contractor License If you have submitted all of your information to the State of Florida and have no idea why it is taking so long to get you...
Read article →Inland Marine Policies The following coverages all fall under Inland Marine insurance which simply means “propert...
Read article →Insurance Quotes Questions? 888-688-6612 ext. 3 “Quick Quote” for General Liability or Workers Compensation – If...
Read article →General Contractors Tools to help you get the job done: How to Obtain a Quote General Liability “Quick Quote” Workers Co...
Read article →HVAC Contractors Helping you Build! Sun Payroll Systems has been built around one thing – contractors! It is hard enough out there these day...
Read article →Plumbing Contractors Helping you Build! Sun Payroll Systems has been built around one thing – contractors! It is hard enough out there these...
Read article →Handyman Contractors Helping you Build! Sun Payroll Systems has been built around one thing – contractors! Commo...
Read article →Workers Comp Insurance in Florida As you probably already know, all Florida contractors by law are required to ha...
Read article →Contractors Insurance in Florida If you are looking for an agency that understands your heavy demands, then you a...
Read article →New Contractors Insurance in Florida Looking just for a quick price estimate? Skip ahead to this page. What do y...
Read article →General Liability Insurance in Florida The General Liability (Public Liability) Policy is designed to pay other p...
Read article →Additional Insured In construction Contracts you are frequently asked to provide Certificates of Insurance that list the person or company re...
Read article →Insurance Claims Tips How to read an insurance policy : Reading an insurance policy is difficult, even for many i...
Read article →Construction Safety Manual With increased enforcement from OSHA and insurance rates creeping up, NOW is the time to creat...
Read article →Certificate Of Insurance Management Here are the top 10 secrets to better “In-House” COI Management Request a valid Cert...
Read article →Florida Business Auto Insurance The following are all common features of a Business Auto Policy. Depending on you...
Read article →Construction Umbrella Insurance Florida Umbrella liability insurance provides excess liability coverage over seve...
Read article →Insurance Basics For Contractors Introduction Insurance can be one of the largest expense items a contractor has, next to materials and payro...
Read article →Insurance Claims Issues To report a claim, please contact your insurance carrier directly. If you are unable to...
Read article →Workers Compensation Florida Interesting fact: As of 2018 Florida ranked as the 32nd most expensive state in wor...
Read article →Electrical Contractors Sun Payroll Systems has been built around one thing – contractors! It is hard enough out there these days. Although...
Read article →Construction Risk Management in Florida What is Risk Management? Risk Management is not about insurance. Risk management essentially proacti...
Read article →Trade/Artisan Contractor As a trade contractor , you are the experts of your field. If a customer needs to update their...
Read article →OSHA How to get an OSHA inspection without the OSHA fines First off, if OSHA is sitting in your lobby or just sho...
Read article →