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Small Business Insurance Insights

Property and Casualty

Running a successful business is your job. Providing you with tools and knowledge to help you make informed insurance decisions is ours. Our products and services can help clarify the issues and simplify the complexities of insurance. That’s Coverage with Connections!


How to Lower Your Premiums Step 1: Perform a Workers’ Compensation Audit

Did you know that misclassifying personnel on your workers’ compensation policy may be costing your business thousands of dollars?


How to Lower Your Premiums Step 2: Leverage Premium Credits

Did you know that most states offer premium credits to employers that participate in certain safety, drug resistance and managed health care programs?

How to Lower Your Premiums Step 3: Implement a Workplace Safety Program

As an employer, it is important to fully understand the factors involved in calculating workers’ compensation insurance premiums. Having this knowledge will provide companies with a strong foundation for taking intelligent, proactive steps to lower their premiums both immediately and over time.


Workers Compensation Premium Calculations: A Primer

Some small business owners may have a difficult time understanding how workers’ compensation premiums are calculated. This should come as no surprise, however, as the process is complex since workers’ compensation premiums vary for many reasons. What’s more, inaccurate calculations may lead to surprise bills down the line. Here are three things you should know about calculating workers’ compensation premiums.


Understanding Workers’ Compensation to Prepare for Employees Claims

Accidents happen. No matter how safe your business is, there’s always the chance an employee can get injured or sick while on the job. In these situations, they may be eligible for workers’ compensation benefits. Understanding workers’ compensation coverage is important to ensure compliance with government regulations. Here’s what you need to know.


Five Tips for a Stress-Free Workers Compensation Audit

Part of every workers’ compensation insurance policy is the carrier audit, and it’s important to be prepared. Use these five tips to help reduce the impact of your workers’ compensation audit.


Business Insurance: A Startup Primer

Every business has inherent risks. Protecting your investments with insurance should be a top priority for every small business owner. New types of insurance are regularly emerging to address potentially sensitive areas, such as data risk and wireless transactions, and it’s easy to get bogged down with options as the market becomes increasingly complex. Here’s a quick rundown of some of the essential small business insurance types.


Insurance Solutions for Every Stage of Your Business

At Automatic Data Processing Insurance Agency, Inc. (ADPIA), an affliate of ADP, LLC, we understand you have a lot to consider in establishing or evolving your business. That's why ADPIA will work with you to make the process of selecting business insurance coverage simple and straightforward.


Increasing your Workers’ Compensation Confidence

From improved cashflow to smoother audits, here's how to lessen the inconvenience and minimize the financial implications of a workers’ compensation audit.


ADP's Pay-by-Pay® Premium Payment Plan for Workers' Compensation

Your time and resources are precious to your growing business. But complex and essential tasks, such as managing workers' compensation premium payments, can disrupt workflow and steal focus away from your business priorities.


Overtime can affect your workers' compensation premium payments

If you are paying your workers’ comp premiums based on gross wages, chances are you’re paying too much. Why? Because gross wages, minus excess overtime is how premium payments should be calculated.


Packaged Protection for Peace of Mind

Have you considered a Business Owner’s Policy (BOP)?
With the possibility of property damage or bodily injury harming all that you’ve worked hard for, having the right business insurance coverage can help bring you peace of mind.


The Winning Combination

This year, chances are you’ll need to purchase a new workers’ compensation insurance policy or renew the one you have. And when you do, you’ll want a complete, integrated and affordable solution.


Once you know how much ADPIA does for your business, there’s no comparison!

When it comes to business insurance, like Workers’ Compensation, selecting the right agent can affect you in more ways than you may realize.


3 Tips for Office Ergonomics

You can help reduce the number of employee insurance claims — and their cost to your business — by better managing workplace ergonomic risk factors. Here are three tips to help.


5 Steps to Implement Workplace Safety

A safe workplace is a more productive one. Creating a workplace safety plan can help reduce the risk of employee injury or illness — and lower your workers’ compensation costs, too. Follow these five steps to create a workplace safety plan for your business.


The Hartford Reports: More Than 40 Percent Of Small Businesses Will Experience A Claim In The Next 10 Years

Insurer offers advice on how to prepare and protect businesses from common and costly property and general liability claims.

Risk Reduction 101: Slips, Trips and Falls

Workplace injuries can be expensive to your business — measured in lost productivity, decreased employee morale and increased risk as well as hard-dollar costs.

Safety Incentive Programs - Pros and Cons

Have you ever wondered whether a safety incentive program could be a useful tool for reducing injuries in your workplace?

Tailoring Your Workspace To Be Ergonomically Friendly

Mention the term “ergonomics” and chances are most people picture a worker’s desk or computer station. But ergonomics, defined as the process of safely and comfortably relating workers to their workspaces, is important for all types of workplace.

All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners, 1 ADP Blvd., Roseland, NJ 07068. CA license # 0D04044. Licensed in 50 states. Automatic Data Processing Insurance Agency, Inc. is an affiliate of ADP, LLC. Certain services may not be available in all states. Certain services are provided through the carrier partners and an additional carrier fee may apply. The information provided herein is general and not intended as tax or legal advice. Should you have questions, you should consult with your tax or legal advisor. ADP and the ADP Logo are registered trademarks of ADP, LLC. Copyright ©2018 ADP, LLC.