Brendan Alan Barrett’s Post

CONTRACTORS - Want the secret to controlling your workers comp premiums? Here’s the secret… “If you control your Emod (Experience Modifier) you’ll control your premium.” And if you’re sitting there with an Emod of 1.1 (110% EMR in California) thinking… “Well, that’s not so bad, right? I know contractors with much worse” Let me help you see the light. 1.00 or 100% in California is not as low as your Emod can go. An Emod or EMR of 1.00 or 100% just means your average. Do you like being average? Not me. Being better than average in this sense means your business can get discounts on your Workers Comp insurance. Want to learn how you can become better than average and see premiums well below what the rest of the market is seeing? Drop a HOW below and I’ll DM you to share more. :)

CONTRACTORS - Want the secret to controlling your workers comp premiums? .... Here’s the secret… . . . “If you control your Emod (Experience Modifier), you control your premium.” And if you’re sitting there with an Emod of 1.1 (110% EMR in California) thinking… “Well, that’s not so bad, right? I know contractors with much worse.” Let me help you see the light. 1.00 or 100% in California is not as low as your Emod can go. An Emod or EMR of 1.00 or 100% just means your average. Do you like being average? Not me. Being better than average in this sense means your business can get discounts on your Workers Comp insurance. Want to learn how you can become better than average and see premiums well below what the rest of the market is seeing? Drop a HOW below and I’ll DM you to share more. 😀

👥🌐 Long-Term Care Insurance: Benefits for Employers and Employees 👥🌐 Long-term care insurance offers benefits for both employers and employees. It provides employers with valuable employee benefits, attracting and retaining talented professionals. For employees, it offers financial protection and peace of mind, knowing that they are covered in the event of long-term care needs. #EmployeeBenefits #WorkplaceWellness #LongTermCareInsurance

During #Open #Enrollment and every other day of the year, these smiling faces are the experts who administer medical, dental, vision, life insurance, short- and long-term disability, and voluntary benefits for Engage PEO clients and employees. They are dedicated to delivering exceptional benefits support and ensuring #compliance with applicable rules and regulations. They kicked off their annual training so that our clients can “Expect More” from their PEO during Open Enrollment. Translation: they know #employee #benefits like the backs of their hands! Learn why we have an “Expect More” philosophy: https://lnkd.in/ep_WuWeq

Open enrollment is most commonly known as a time to revisit your health insurance options but as the employment landscape gets more and more competitive, employers are now adding legal benefits, gym reimbursements, among a slew of other nifty options that employees might want to really consider. Open enrollment is also a crucial time to consider your financial well-being, as employers may offer additional life or disability coverage at a fraction of the cost you would pay otherwise with options to continue the coverage if you ever leave the company. At Breakwater Capital Group I dig into what you should be on the lookout for from a financial perspective! #financialadvisor #financialplanning https://lnkd.in/gBtZfr-c

Open enrollment is currently underway, and it involves more than just selecting a health plan. Madeline Barconi, CFP®, ChFc®, CDFA® examines 6 Things to Consider During Open Enrollment. #openenrollment #breakwatercapitalgroup #wealthmanagement #financialadvisor

🛡️ Importance of Workers' Comp Insurance for Your Business 🛡️ Are you aware of the critical role that workers' compensation insurance plays in safeguarding your business and employees? 1️⃣ Protects Your Team: Ensure your employees get the care they need for work-related injuries or illnesses. 2️⃣ Legal Compliance: Stay compliant and avoid fines or legal trouble. 3️⃣ Financial Security: Protect your business assets from unexpected expenses. 4️⃣ Enhances Reputation: Show your commitment to employee well-being and responsible business practices. Don't overlook the importance of workers' comp insurance! It's not just another expense—it's an investment in the safety, stability, and success of your business. #WorkersComp #BusinessProtection #SafetyFirst Stay safe and keep thriving! ✨

The right employee benefits are at the heart of a recruitment and retention effort that Stands Out. According to a recent study, 60% of employers are considering adding a new insurance benefit over the next two years (about twice as much interest as there was five years ago). The top benefits that they are planning to add, in addition to 401(K) plans include disability insurance (both short-term and long-term), vision care benefits, dental insurance and life insurance. Are your voluntary benefits aligned with what employees value most? Research shows 78% of employees are more likely to stay with their employer because of its benefits program. Offering your employees benefits that matter most to them makes a difference. And with the right strategy and smart planning, you can offer a robust benefits package that can help set you apart from your competition – all while maintaining your budget.

Day 3: Workers’ Compensation 1. Texas does not require most private employers to have workers’ compensation insurance, but if an employer opts out, they must still adhere to specific requirements such as posting written notices of non-coverage. 2. Employers with workers’ compensation insurance are generally protected from lawsuits by injured employees, except in cases of employee death due to employer negligence. 3. Employers with more than four employees must report work-related injuries that result in more than one day of missed work, all occupational illnesses, and any fatalities that occur at the workplace. To learn more visit https://lnkd.in/g6dK64t4 📧emcgruder@embracehrc.com 📅 https://lnkd.in/gafTB7H4 🛜 https://lnkd.in/gSmMMd8p

I invite you to a brief conversation to explore how our insurance solutions can enhance your employee benefits program. Whether you have existing insurance offerings or are considering implementing them, our consultative approach ensures we meet your specific needs.