South Carolina Insurance Agency #columbia #sc #insurance #agency, #richland #county #sc #insurance


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We are a Columbia, South Carolina insurance agency offering affordable personal insurance policy

premiums and comprehensive business insurance plans in the following towns, cities and counties

in South Carolina: Chapin, Arthurtown, Saluda Terrace, Sandwood, Arcadia Lakes, Cayce, Olympia,

Forest Acres, Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace, Belmont, St.

Andrews, Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State Park, Haskell

Heights, Lincolnshire, Ballentine, Killian, Red Bank, South Congaree, Edmund, Gilbert, Summit,

Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson, Pontiac, Elgin, Blythewood, Camden,

Richtex, Whitehall, White Rock, Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio, Stateburg,

Borden, Wedgefield, Oswego, Gadsden, Fort Motte, St. Matthews, Swansea, Woodford,

Winnsboro, Pelion, Steedman, Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity,

Newberry, Peak, Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson,

Smallwood, Ridgeway, Orangeburg, Myrtle Beach, Charleston, Lexington County, Fairfield County,

Calhoun County, Sumter County, Kershaw County, Saluda County, and Richland County, SC. We

can also offer our insurance coverage services throughout the Palmetto state, including in Florence,

Greenville, Spartanburg, and the South Carolina Atlantic Ocean coast.

We are your Columbia, SC area source for family insurance services that can save you money with

quality insurance coverage from leading insurance companies serving South Carolina. Fill out a

secure online quote request form and in a timely manner receive a confidential and thorough family or

individual insurance quote, or contact us by phone toll free at (800) 849-7475 to speak with an

independent South Carolina insurance professional.

Russell-Massey Company also offers coverage for your South Carolina small business insurance

needs. Whether it’s General Liability, Commercial Property, Commercial Auto, Workers Comp, or

Business Owners insurance coverage, we can design a competitive, affordable insurance package

that is tailored to your needs. As an independent full-service insurance agency, we can also assist

your large or small business with Special Event, Condominium Association, Apartment Building,

Group Life, and South Carolina Group Health Insurance. Learn more about these and other

comprehensive insurance plans for your South Carolina business by clicking on a link to the right.

Whether you’re a contractor, doctor, realtor, condo association, large employer, small business

owner, or a new start-up company looking for affordable insurance plan coverage, we can fulfill your

South Carolina commercial insurance needs. Fill out a secure online quote request form and in a

timely manner receive a confidential and thorough business insurance quote, or contact us by phone

at either our Chapin or Columbia, South Carolina location to speak with one of our independent

business insurance professionals.

We are appointed with some of the top insurance companies in the industry, allowing us to find the

coverage you are looking for at a competitive price. Companies like State Auto Insurance company,

Auto Owners Insurance Company, Travelers Insurance Company, Frankenmuth Insurance

Company, The Hartford, Central Insurance Company, Selective Insurance Company, Main Street

America Group, Progressive Insurance, Berkshire Hathaway, Universal North America, Universal

Property Casualty, Victoria Insurance Company, Safeco Insurance, and Foremost Insurance

Company, allow us to shop your insurance needs and find the insurance company for you.

We also have relationships with Johnson Johnson, Burns Wilcox, TAPCO, Jackson Sumner,

and RPS allowing us access to surplus lines companies such as Lloyd’s of London, Scottsdale

Insurance Company, National Casualty Insurance Company, United States Liability Insurance

Company, Nautilus Insurance Company, Markel Insurance Company, and First Financial Insurance

Company. These partners allow us to place the hard to insure risks. Therefore, Russell-Massey

Company is your one location for virtually all of your insurance needs.

Are you moving to the Columbia, SC area? We are ready to help you prepare for your new home in

South Carolina with experienced insurance advice and insurance quotes for more affordable, quality

insurance policy coverages. We are your South Carolina insurance connection!


Small Business Services, HR, Outsourcing, Payroll & Staffing Services #small #business #services,


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BBSI offers a range of solutions to help you better navigate pitfalls and build a stronger foundation for your business. These aren’t just patchwork fixes. They’re part of our holistic approach to solving your pressing business concerns, and aligning you for success.
To learn more, contact a BBSI representative near you .

A knowledgeable partner in human capital management.

Team up with us and get more time to focus on your business’ core competencies. Here’s how we help:

  • We’ll analyze your current personnel policies and procedures, and identify any gaps in compliance.
  • We’ll identify more efficient ways to handle important details, including payroll, taxes, employee benefits, health insurance, workers’ compensation coverage, workplace safety programs, compliance with federal and state employment laws, labor and workplace regulatory requirements and related administrative responsibilities.
  • Preferred Payroll – A no-hassle way to pay employees.

    Did you know: the average small business owner spends up to 25% of his/her time handling employee-related administrative paperwork. Now you can get that time back to innovate, serve customers, and just re-focus on the parts of business you love. Our complete payroll service handles deductions, tax payments, wage garnishments, tax levies, liens and W-2s.

    Email us for more information about our Preferred Payroll services.

    Staffing – The right people make all the difference to your business.

    We can help you identify who the right people are for your business. Can they help you move forward? Are they a positive influence on your organization? We’ll help you answer these questions through our innovative and diversified recruiting process, including

    • On-demand or Short Term Staffing /
    • On-Site Management /
    • Contract Staffing /
    • Master-Vendor Programs
  • All content copyright 2011 BBSI. All rights reserved. 8100 NE Parkway Drive, Suite 200, Vancouver, WA 98662 800-494-5669 | 360-828-0701 Fax
    Terms of Service and Privacy Policy


    Pa work comp #pa #work #comp


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    NATL. – Debate Heats Up Over Whether Opioids Belong in Formulary

    By Elaine Goodman (medical/business Reporter)

    06/02/2017 | 44 | 1 | 0 min read

    If one of the goals of workers comp drug formularies is to reduce opioid use, why do some formularies list certain opioids as a preferred first-line therapy? That s an issue that was raised by Sheral Kellar, director of the Louisiana Office of Workers Compensation Administrat. Read More

    CA – DWC Abides Requests to Push Back Formulary Request Until Jan. 1

    By Emily Brill (Reporter)

    06/02/2017 | 42 | 0 | 0 min read

    Most of the stakeholders who commented to regulators on California s proposed drug formulary said they need more time to adopt the new rules. The Division of Workers Compensation will oblige them. A spokesman for the division confirmed to WorkCompCentral on Thursday that it will delay. Read More

    OK – Stakeholders Point Fingers at Each Other Over Legislation s Death

    By J. Todd Foster (Reporter)

    06/02/2017 | 40 | 0 | 0 min read

    The demise of a workers compensation reform bill that initially passed both chambers of the Oklahoma Legislature was triggered by a claimants attorney who chairs the House Judiciary Committee or by a lobbyist for the pro-business Oklahoma Injury Benefit Coalition, each side claims. Ok. Read More

    AZ – Injured Caregiver Can Bring Tort Claim Against Patient

    By Sherri Okamoto (Legal Reporter)

    06/02/2017 | 40 | 0 | 0 min read

    The Arizona Supreme Court ruled this week that an in-home caregiver has a potential tort remedy from a patient if injured while performing job duties. Jeanette M. Sanders had worked for the Arizona Department of Economic Security as an independent contractor, so she couldn t get comp ben. Read More

    OH – Ohio AG Sues Drug Makers Over Opioid Marketing

    06/02/2017 | 42 | 0 | 0 min read

    Ohio Attorney General Mike DeWine has filed a lawsuit against five opioid manufacturers, alleging that the drug companies engaged in fraudulent marketing regarding the risks and benefits of prescription opioids that fueled the state s opioid epidemic. The five manufacturers named as defend. Read More

    NATL. – Lynch: Eight Essential Steps to Controlling Workers Compensation Costs

    06/02/2017 | 29 | 0 | min read

    Many U.S. companies have recognized two basic truths about workers compensation: The workplace is the best place to control loss costs and they, as employers, more than any other group are best positioned to reduce and control loss costs. These employers do not hand the problem off to t. Read More

    CA – Janitorial Firm Owner Charged With $32M Premium Fraud

    06/02/2017 | 37 | 0 | 0 min read

    The owner of a San Francisco Bay area janitorial firm is accused of underreporting payroll in order to reduce her company s workers compensation premiums by $32 million, the California Department of Insurance announced late Thursday. Lafayette resident Gina Marie Gregori, 55, is charge. Read More

    LA – Worker s Statements on Physical Abilities Weren t Willfully False

    06/02/2017 | 40 | 0 | 0 min read

    A Louisiana appellate court ruled that a worker did not willfully misrepresent his physical limitations from an industrial injury, and that he did not forfeit his entitlement to additional compensation and medical treatment. Case: Ehrman v. Graphic Packaging International, No. 51,237-WCA, 05/17/201. Read More

    FL – Worker s Failure to Respond to Contractor s Assertion of Immunity Warranted Entry of Default

    06/02/2017 | 32 | 0 | 0 min read

    A Florida appellate court ruled that a construction worker s persistent failure to respond to a contractor s claim of immunity from civil suit warranted the entry of the worker s default. Case: Lisca v. Florida Atlantic Construction Inc. Nos. 4D15-3549 and 4D16-416, 05/31/20. Read More

    TX – Employer Gets Summary Judgment on Injured Worker s Retaliatory Discharge Claim

    06/02/2017 | 34 | 0 | 0 min read

    A Texas appellate court ruled that an employer was entitled to summary judgment on its motion to dismiss a worker s claim that he had been fired in retaliation for pursuing comp benefits. Case: Cardenas v. Bilfinger TEPSCO, No. 01-16-00422-CV, 06/01/2017, published. Facts: Alejandro Cardenas. Read More

    AR – Supreme Court Won t Review Denial of Brain Injury Claim

    By WorkComp Central

    06/02/2017 | 38 | 0 | 0 min read

    The Arkansas Supreme Court won t be reviewing a worker s challenge to the denial of his claim for a traumatic brain injury following an accident causing extensive facial injuries. Witnesses described seeing Rick Yousey being body slammed by a boom lift truck while at work. Read More

    CA – Separate Lies by Applicant Warrant Separate Perjury Convictions, Court Rules

    06/02/2017 | 39 | 0 | 0 min read

    A California appellate court rejected an applicant s argument that she should have been convicted of only one count of attempted perjury not two by a San Diego jury that watched a video of her pulling a 30-pound paddleboard off the roof of her car and lugging it across a b. Read More

    Press – Law Firm Opens Office to Better Serve the Inland Empire

    05/24/2017 | 1086 | 0 | min read

    The law firm of Gordon, Edelstein, Krepack, Grant, Felton and Goldstein, LLP (GEK) is proud to announce the opening of its newest office, which is located in Ontario to service Riverside and San Bernardino counties. We have spent more than 30 years protecting and enhancing the quality of l. Read More

    OH – BWC May Extend Pilot Program on Treatment Reimbursement

    06/02/2017 | 33 | 0 | 0 min read

    The Ohio Bureau of Workers Compensation has proposed extending through 2019 a pilot program that allows for more flexibility on treatment authorization during a claim s first two months. The program allows managed care organizations to approve requests for reimbursement of any treatme. Read More

    NY – City Worker Pleads Guilty to Receiving Benefits While on the Job

    06/02/2017 | 38 | 0 | 0 min read

    A city of Amsterdam employee was sentenced to three years of probation supervision, and ordered to pay $15,000 in restitution, for defrauding the workers compensation system and stealing benefit to which he was not entitled, an inspector general said. William Forte, 51, a seaso. Read More

    MD – Agency Issues New Requirements on Set-With Requests

    06/02/2017 | 32 | 0 | 0 min read

    The Maryland Workers Compensation Commission has issued new requirements for filing requests for action on filed issues, Form H-25R. If a set-with does not meet the following requirements, a notice will be sent advising that the request is not granted because it is incomplete and is not in c. Read More

    Press – Boehm Associates Achieves HITRUST CSF Certification to Further Mitigate Risk in Third Party Privacy, Security and Compliance

    05/17/2017 | 2157 | 0 | min read

    NC Industrial Commission Information for Employers #workers #compensation, #worker #comp, #industrial #commission,


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    For Employers

    Important Notice to Employers

    Employers’ Requirement to Carry Workers’ Compensation Insurance

    The North Carolina Workers’ Compensation Act requires that all businesses that employ three or more employees, including those operating as corporations, sole proprietorships, limited liability companies and partnerships, obtain workers’ compensation insurance or qualify as self-insured employers for purposes of paying workers’ compensation benefits to their employees. Exceptions to this requirement include (a) employees of certain railroads; (b) casual employees, i.e. persons whose employment is both casual and not in the course of the trade, business, profession or occupation of the employer; (c) domestic servants directly employed by the household; (d) farm laborers when fewer than 10 full-time, non-seasonal farm laborers are regularly employed by the same employer; (e) federal government employees in North Carolina; and (f) sellers of agricultural products for the producers thereof on commission or for other compensation, paid by the producers, provided the product is prepared for sale by the producer.

    Businesses in which one or more employees are employed in activities which involve the use or presence of radiation are required to have workers’ compensation coverage.

    Individuals who are sole proprietors, members of LLCs, and partners are not automatically counted as employees. Corporate officers may elect to be excluded from coverage but are still counted in determining whether a business has three or more employees. Executive officers, directors, or committee members of a non-profit corporation are also not automatically counted as employees so long as they meet certain requirements under the North Carolina General Statutes.

    An employer is not relieved of its liability under the Act by calling its employees independent contractors. Even if the employer refers to its workers as independent contractors and issues a Form 1099 for tax purposes, the Industrial Commission may still find that the workers were in fact employees based upon its analysis of several factors, including but not limited to the degree of control exercised by the employer over the details of the work.

    If you subcontract work to a subcontractor who does not have workers’ compensation insurance, you may be liable for the work-related injuries of the subcontractor’s employees, regardless of the number of employees you or the subcontractor employs. For information on workers’ compensation requirements in the trucking industry, please click here .

    If You Fail to Carry Workers’ Compensation Insurance, You May:

    1) Face stiff financial penalties;
    2) Be charged with a misdemeanor;
    3) Be charged with a felony; and
    4) Be imprisoned.

    Contact Your Lawyer or Insurance Agent If You Are Unsure of Your Responsibilities as an Employer

    Employer Links


    Michigan Workers Compensation Lawyers – Free legal advice #attorney #workers #comp


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    Michigan Workers Compensation Lawyers

    Workmans comp fighting for the rights of injured employees for more than 35 years

    Being injured on the job can turn your life upside down, especially when your workers comp benefits are denied or your adjuster is playing games — yet you cannot return to work due to your serious injuries.

    Our lawyers can help. We re here to make sure you receive all the workers compensation benefits that you re entitled to, and to protect you when your insurance company or your employer treats you unfairly.

    Call us at (855) 221-2667, or fill out our free contact form. Our attorneys only practice workers compensation law in Michigan. We offer free advice, and you don t pay a dime unless you win.

    Michigan workers compensation law: What you must know to protect yourself

    We believe that every injured or disabled worker deserves to know their legal rights, so they can be on equal footing with the insurance companies and employers. If you ve been injured on the job and are concerned about your future and how you can recover your benefits, you need to know about:

    • Your employer s legal responsibilities under the Michigan workers comp law.
    • The work comp benefits you re entitled to, such as lost wages, medical care and vocational rehabilitation.
    • Important time limits to file a claim in Michigan.

    Why you may need a workers compensation lawyer now

    People often have concerns about hiring a workers comp attorney. They wonder how much it costs, what the process is like and how much Michigan workers compensation actually pays. Here, you can learn about:

    • What a workers comp lawyer can do for you and when to seek help.
    • What to expect throughout your lawsuit.
    • The cost and value of your case.

    What to do if your comp claim has been denied

    Many on-the-job accident victims are unaware that most insurance companies and employers do not have your best interests in mind. Get the facts now on:

    • What you can do if your work comp benefits are disputed or denied.
    • The most common workplace injuries.
    • Why certain injuries are disputed during the workers comp process.

    Get help from a workmans comp lawyer today

    You re not alone. Call (855) 221-2667, toll-free, to speak with one of our attorneys today.

    The call and the advice are absolutely free.

    Our workers compensation lawyers have been called the best in Michigan, and we pride ourselves on providing you with care, trust and responsiveness. We will take all of the time you need; we will explain your legal rights; and you will always be treated with respect.


    California s Experience Rating System #wcirb,workers #compensation,rate #sheet,experience #rating, #california, #insurance, #pure


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    Learning Center

    California s Experience Rating System

    California’s workers’ compensation experience rating system is a merit rating system intended to provide employers a direct financial incentive to reduce work-related accidents. The experience rating system objectively distributes the cost of workers’ compensation insurance more equitably among employers assigned to particular industry classifications.

    The regulations governing the Experience Rating System are contained in the California Workers’ Compensation Experience Rating Plan – 1995 (Experience Rating Plan). This Plan is part of the California Code of Regulations (Title 10; Chapter 5, Section 2353.1) and is approved by the Insurance Commissioner. Not all employers are eligible for experience rating. See Determining Eligibility .

    An experience modification. which is expressed as a percentage, compares the loss or claims history of one company to all other companies in the same industry that are similar in size. Generally, an experience modification of less than 100% reflects better-than-average experience, while an experience modification of more than 100% reflects worse-than-average experience. Accordingly, an experience modification that is greater than 100% usually increases the cost of an employer’s workers’ compensation insurance premiums, while an experience modification that is less than 100% usually decreases the cost of an employer’s workers’ compensation insurance premiums.

    For those businesses that qualify, experience rating is mandatory. Today, more than 110,000 California businesses are experience rated, representing approximately 80% of all California workers’ compensation insurance premiums paid. Using information submitted by insurers, the WCIRB calculates and publishes experience modifications for each qualified business. Regardless of which insurer provides the workers’ compensation insurance policy, if an employer is experience rated, their experience modification must be applied to their policy.

    We welcome your feedback on this guide. Please send comments and suggestions to [email protected] .