How to Engage Your Medical Provider Network (MPN)
Learn how to engage your Medical Provider Network, train supervisors, guide injured employees to care, and support a smoother return-to-work process.
What’s Driving General Liability and Umbrella Insurance Rates - and What Businesses Can Do About It
General liability and umbrella insurance rates remain under pressure as social inflation, larger jury awards, and rising claim costs reshape the liability landscape. Learn what’s driving these increases and the steps businesses can take to strengthen their risk management programs.
Beyond the COI: A Practical Approach to Contractual Risk Transfer
Effective contractual risk transfer goes beyond collecting COIs. Strong agreements, appropriate insurance requirements, and supporting endorsements help businesses manage vendor, contractor, and third-party risks with greater confidence.
What’s Driving Commercial Auto Insurance Rates - and What Businesses Can Do About It
Commercial auto insurance rates continue to climb due to rising claim costs, social inflation, distracted driving, and expensive vehicle repairs. Learn what's driving the market and the fleet safety strategies businesses can use to better manage risk.
Class Code 5606: When Contractors Can, and Cannot, Use It
Understand Class Code 5606 eligibility, avoid workers’ compensation misclassification, and reduce the risk of unexpected premium adjustments at audit.
Frequency vs. Severity: Which Has a Bigger Impact on Your ExMod?
Does claim frequency impact your ExMod more than claim severity? Learn how the WCIRB experience rating formula works and why multiple small claims can affect workers' compensation premiums more than fewer large claims.
Cal/OSHA’s Top 10 Workplace Safety Violations
A safety violation doesn’t have to involve a major accident to have a meaningful impact on your business. Each year, Cal/OSHA identifies the workplace safety standards most frequently cited for violations in the prior year. Here are the Top 10 for 2025—and what employers can learn from them.
2026 Workers Compensation Annual Update for Officer/Owner Payroll and Dual Wage Thresholds
Each year, the WCIRB (Workers' Compensation Insurance Rating Bureau) reviews and updates Dual Wage Thresholds and Minimum/Maximum Payroll requirements for Executive Officers & Owners. This announcement is to keep you informed about key updates that could impact your workers’ compensation coverage.
Career Story: Heather Ross
Heather Ross's career journey proves that every experience matters. Read how she found her passion helping clients through insurance claims at Morris & Garritano.
