1. WAGES FOR A REPLACEMENT EMPLOYEE. When a valuable employee is involved in a workplace accident, they might be off of work for a while. You can manage a few days, but what if is more like a few months to get them returning to work? In the interim, you may need to hire a temporary replacement worker to keep your business moving. Workers’ Comp doesn’t cover the replacement employee’s wages. That responsibility is on you. The good news? Workers’ Comp pays for two-thirds of the

The reasons to purchase insurance are well known, but what about umbrella coverage? It’s not just for catastrophes anymore. Please review the following list and see if you agree that having an umbrella policy is a cost-effective way to further protect the business you’ve worked so hard to build. It Protects What’s Most Valuable An umbrella policy is smart business and provides greater peace of mind. It protects your employees, assets, hard work, reputation, and future. A Mill