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0:34
What is Workers' Comp for Business Owners - North Town Insurance, Spokane, WA
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Worker's comp approved my PTSD claim. Then told me to switch therapists in the middle of treatment. Let me explain how broken this is: I filed for PTSD treatment (presumptive condition for firefighters in California) Worker's comp approved me for a specific therapist I started treatment during a mental health crisis Last week: City of La Verne threatens to stop paying me because claim isn't approved yet This week: Claim is approved, but now they want me to switch therapists So they're disrupting
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thwesq
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EMR stands for Experience Modification Rate. It’s a number insurance companies use to measure how safe your company is compared to other companies in your industry. An EMR of 1.0 means you’re average. Below 1.0 means you’re safer than average (lower insurance premiums). Above 1.0 means you’ve had more injuries or claims than average (higher premiums). The more incidents, claims, and lost-time injuries a company has, the higher their EMR goes — and the more they pay for workers’ comp insurance. A
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What’s the one coverage no trucking company should run without? Proper cargo coverage. A lot of people focus only on liability or workers’ comp, but cargo coverage that actually matches what you haul can protect your business relationships and revenue. One denied cargo claim can cost you a valuable shipper and future loads. The right coverage isn’t just about compliance—it’s about protecting your reputation and keeping freight moving. If you’re serious about trucking and want someone serious abo
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