# Workers’ Compensation Insights Let our specialized workers’ compensation team keep you up to date on how you can protect your employees and business from hard-to-place workplace injuries with comprehensive coverage. ### [Why Accurate Workers’ Compensation Audits Matter More Than Ever](/content/insights/workers-compensation/why-accurate-workers-compensation-audits-matter-more-than-ever/index.html) Dec 18, 2025 If you work in workers’ comp underwriting or risk placement, you know how easily payroll shifts, operations evolve, and outdated class codes can derail even the cleanest account. A new Insurance Business piece highlights just how big the impact can be, and why... ### [When Coverage Isn’t Enough: How to Find the Right Workers’ Compensation Carrier](/content/insights/workers-compensation/when-coverage-isnt-enough-how-to-find-the-right-workers-compensation-carrier/index.html) Aug 14, 2025 Not long ago, most clients didn’t think twice about who underwrote their workers’ compensation coverage. As long as premiums were reasonable and claims got paid, that was good enough. But those days are over. Employers today are paying closer attention to the entire... ### [State of the Workers’ Comp Market: Insights for Agents](/content/insights/workers-compensation/state-of-the-workers-comp-market-insights-for-agents/index.html) Jul 10, 2025 Workers’ compensation continues to be the outlier line of business in a volatile property and casualty market. While other lines have struggled with loss creep, rate inadequacy, and capital constraints, workers’ compensation has quietly maintained its position as one... ### [Employer Responsibilities: How to Maintain Workplace Safety and Avoid Workers’ Comp Claims](/content/insights/workers-compensation/employer-responsibilities-how-to-maintain-workplace-safety-and-avoid-workers-comp-claims/index.html) May 15, 2025 Somewhere, right now, a mid-sized manufacturing client is filing their fifth workers’ comp claim in less than 12 months—this time for a preventable forklift accident. When the carrier reviewed the loss history, premiums increased, credits were removed, and maybe a... ### [How to Calculate Workers’ Compensation: What You Should Know](/content/insights/workers-compensation/how-to-calculate-workers-compensation-what-you-should-know/index.html) May 8, 2025 A longtime client calls, frustrated. One of their warehouse workers slipped on the job, fractured his wrist, and is now out for weeks. Instead of a seamless claims process, the client faces confusing paperwork, an irritated employee, and a reimbursement check that’s... ### [The Shifting Boundaries of Navigable Waters](/content/insights/workers-compensation/the-shifting-boundaries-of-navigable-waters/index.html) Feb 20, 2025 What defines a navigable waterway? The answer depends on who you ask and which court decides. The legal definition of navigable waters is a shifting target, subject to changing interpretations, that can have significant consequences for industries operating near or on... ### [Top 4 Workers’ Compensation Exposures for Restaurant Owners](/content/insights/workers-compensation/top-4-workers-compensation-exposures-for-restaurant-owners/index.html) Jan 2, 2025 From juggling tight margins to creating a memorable customer experience, restaurant owners are no strangers to challenges. But lurking behind the scenes of every bustling kitchen and buzzing dining room is a risk that often goes unnoticed — employee injuries.... ### [Maximizing Opportunities in a Profitable Workers’ Comp Insurance Market](/content/insights/workers-compensation/maximizing-opportunities-in-a-profitable-workers-comp-insurance-market/index.html) Oct 17, 2024 Looking at insurance trends, few lines of business have been as consistently profitable as workers’ compensation. This segment has outperformed others in the U.S. property and casualty insurance industry for years, thanks to a steady decline in loss frequency.... ### [Inflation’s Impact on Workers’ Comp: Managing Medical Market Shifts](/content/insights/workers-compensation/inflations-impact-on-workers-comp-managing-medical-market-shifts/index.html) Aug 1, 2024 Imagine navigating through a labyrinth where each twist and turn brings new challenges. For insurance agents trying to place workers’ compensation risks, that can be a daily reality. Just as you think you have a handle on the path ahead, inflation shifts the walls of... ### [Understanding NCCI’s Changes to the Workers’ Comp E-Mod Factor Methodology](/content/insights/workers-compensation/understanding-nccis-changes-to-the-workers-comp-e-mod-factor-methodology/index.html) Feb 8, 2024 The National Council on Compensation Insurance’s (NCCI) updated experience modification factor (e-mod) algorithm went into effect this past November. These changes — which insureds will begin to feel the impacts of in 2024 — are intended to more fairly and accurately... ### [Workers’ Compensation Market Continues to Drop Rates](/content/insights/workers-compensation/workers-compensation-market-continues-to-drop-rates/index.html) Feb 1, 2024 The workers’ compensation insurance market has remained relatively soft over the past few years, characterized by high capacity and rate decreases, as carriers seek to come out on top in a competitive environment. A number states are seeing drastic rate cuts this... ### [Jencap Experts’ 2024 Top Insurance Trends](/content/insights/insurance-market/jencap-experts-2024-top-insurance-trends/index.html) Jan 25, 2024 A new year marks a new beginning, with hope, anticipation, and curiosity for what the coming months may bring. And in a dynamic industry like insurance, you never know with absolute certainty what might be just beyond the horizon. Stepping into 2024, we asked Jencap’s...