{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"The Workers' Comp Mistake That Can Cost Contractors 50% More","html":"","width":"100%","height":180,"duration":1426,"description":"Workers' comp mistakes can quietly cost employers 20% to 50% more - and one bad misclassification can wreck your rates.\nIf you're hiring employees, running a contracting business, or trying to keep insurance costs under control, this conversation shows exactly where workers' comp pricing gets won or lost. Brian Bollinger breaks down the simple moves that protect your cash flow, from locking in coverage before you hire to documenting job duties well enough to avoid getting pushed into the highest-rated class code.\nAaron and Brian dig into the real-world tactics employers miss: class code strategy, payroll projections, audit surprises, monthly reporting, and why a zero-claims mindset can become a competitive advantage. You’ll hear how a single documentation gap can cost 20% to 50% more in premium, why roofing and other high-risk trades get hammered, and how the right safety culture can lower both frequency and severity.\nYou’ll discover:\nWhy workers' comp coverage needs to be in place before the first hire\nHow job classifications and class codes determine what you actually pay\nWhy poor recordkeeping can send all payroll to the highest-rated code\nHow payroll projections, audits, and monthly reporting affect year-end shock\nWhat proactive safety programs do to reduce claims and unlock credits\nBrian also explains why some of the cheapest policies can be the most expensive in the long run if claims handling is weak. From gloves and tailgate meetings to third-party jobsite reviews and Cal/OSHA exposure, this episode shows how prevention, documentation, and communication work together to protect both your rates and your business.\nIf you’re a business owner, contractor, or anyone responsible for employees, this is essential listening. You’ll walk away with a clearer way to think about workers' comp, better questions to ask your broker, and a practical roadmap for lowering risk before it turns into a costly claim.\nLearn more or contact Bollinsure:\nhttps://www.bollinsure.com/...","thumbnail_url":"https://img.transistorcdn.com/dHECMWMH7UdDMxVCK6uZsLMFIjvUnSx75gpYwTfdThI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jZjYx/ZjA4ZDliODU5MjE5/ZmNkNjc2MGIxNjU1/YmJlYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}