I’m learning to use video editing software. Lots of fun!
April 23rd, 2010
Right now the kids are in bed and I’m eating dinner; a bacon and blue-cheese burger from Wendy’s. Pretty good! Of the four bucks I spent, I can’t help but wonder how much of it the owner must hand over in Work-Comp premiums. I know – weird thing to wonder – right? Maybe it’s just that today I ended up helping a local restaurant owner save big money on Work-Comp. It got me thinking I should share a few tips on how to fight back and slash premiums.
1. Shop Top Companies
The State Insurance Fund is NOT the only competative option. If your agent tells you otherwise - get a 2nd and 3rd opinion! There are a number of companies that are HOT in Idaho with Work-Comp. Each company has Pros and Cons and keep in mind there are variables outside of the rate to consider. (Such as required deposit amount, dividends, and their ability to help you reduce costs going into the future.) If your agent can’t or won’t shop mulitple companies – call around until you find someone who will!
Google Kitty’s name and you’ll quickly discover the following story is true:
By: Kitty Werthmann
What I am about to tell you is something you’ve probably never heard or will ever read in history books.
I believe that I am an eyewitness to history. I cannot tell you that Hitler took Austria by tanks and guns; it would distort history. We elected him by a landslide – 98% of the vote.. I’ve never read that in any American publications. Everyone thinks that Hitler just rolled in with his tanks and took Austria by force.
In 1938, Austria was in deep Depression. Nearly one-third of our workforce was unemployed. We had 25% inflation and 25% bank loan interest rates.
Farmers and business people were declaring bankruptcy daily. Young people were going from house to house begging for food. Not that they didn’t want to work; there simply weren’t any jobs. My mother was a Christian woman and believed in helping people in need. Every day we cooked a big kettle of soup and baked bread to feed those poor, hungry people – about 30 daily.
March 12th, 2010
I think this is HOGWASH (to use language my mother would approve of). As business owners, we are targets for law suits. I’ve suffered through 
a frivolous lawsuit myself – and it was horrible. After two years of spending enough on defense to purchase a small house, it was finally time to
Stop Being a Big Fat Fatty: Well, as Glenn Beck would say, I’m a big Fat Fatty. It’s true . . . I freely admit it. But at least I try and remember to brush off the Cheetos crumbs from my face before I go into work . . . so my wife can be proud of that I suppose. Anyway, I’m tired of it. So the goal is 180lbs by the end of the year. I’m 230 right now .. so that’s 50 pounds. Not that everyone cares … but for those that do, I’ll update this once in awhile — maybe by video so I can show off my ”bod” – puke. Yeah right! Anyway . . . if any of you feel like sharing your success – go for it!
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Suzy put me in charge. Yep. I’m in charge of writing up something to sum-up the year – and I guess it’s going out with the Christmas cards. Well, what can I say? Our Kids are bigger – in fact, I’m bigger. We’re all older. (Although Suzy still looks like she’s in her 20’s.) The kids are on their way to being teens and I feel like I’m a 50 year old living in a 35 year old body. So that’s nice.
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You’re busy. Chances are, your business is more fragile than you realize. Every day, small successful businesses are shut down by unforeseen losses. Even worse, business owners can find themselves hanging personally for these events. Every business is different – and so the risks are different. Read More »
This story is incredibly embarrassing. Why? Well, as an insurance guy, I should have known that Employment Practices Liability is the 2nd most likely area to have a HUGE claim (next to Professional Liability) for most companies – including small businesses. But my thinking was pretty old school at the time. That is, I had bought into the same type of insurance protection that insurance agents have been recommending since the 50’s.
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Can’t help but show off my kids. -Ben
November 3rd, 2009
