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  3. Workers' comp FAQ

Workers' comp FAQ

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  • Why is the premium for an owner/officer based on a payroll amount that’s different from their reported payroll?
  • Who can be excluded from a workers' comp policy?
  • What class code(s) should my employees be under for my workers' comp policy?
  • How do I classify my employees for my workers’ comp policy?
  • What do I do if I have a new employee?
  • How can I understand my billing frequency for Pay As You Go?
  • How do I know if I have to classify contractors as employees on my workers' comp policy according to California's AB5?
  • What impact will AB5 in California (also known as the “gig worker bill”) have on my workers’ comp policy?
  • What is workers’ comp insurance?
  • What are the billing options for workers’ compensation policies?
  • I am told I operate my business in a monopolistic state; what does that mean?
  • As an officer of my business, I pay the minimum policy. Why is that?
  • How much will a workers' compensation policy cost?
  • What types of losses does workers’ comp cover / not cover?
  • Who is required to have workers’ compensation?
  • What’s a monopolistic state? (Why won’t my state allow private insurance?)
  • What is a minimum premium for workers' comp?
  • What is an experience modification?
  • What is a composite rate?
  • How do I get those awesome workers’ comp posters for my workplace?
AP Intego Insurance Group, LLC, 2018