https://justinkdorman.com/videos#wc-roofers https://justinkdorman.com/videos/thumbs/wc-roofers.jpg Roofing Contractor Workers' Compensation Roofing is the highest-hazard NCCI class code in workers' compensation — class 5551 routinely runs above $30 per $100 of payroll. This explainer walks retail agents through why roofing risks are restricted by standard carriers, which monoline markets still write roofers, how steep-grade vs. flat-grade exposure is underwritten, the role of subcontractor certificates, and how a wholesale broker places roofing accounts that retail markets decline. https://justinkdorman.com/videos/wc-roofers.mp4 375 2026-05-27T12:00:00+00:00 yes roofing workers comp, roofers insurance, class code 5551, steep grade roofing, high hazard workers comp no no https://justinkdorman.com/videos#wc-trucking https://justinkdorman.com/videos/thumbs/wc-trucking.jpg Trucking & Workers' Compensation Trucking workers' comp combines federal motor carrier exposure with state-by-state benefit schedules. This video covers driver classification (class 7228, 7229, 7219), interstate vs. intrastate payroll, the owner-operator independent contractor question, USL&H crossover for dock work, and why high-mileage fleets need monoline placement instead of bundled package policies. https://justinkdorman.com/videos/wc-trucking.mp4 488 2026-05-27T12:00:00+00:00 yes trucking workers comp, motor carrier insurance, 7228 class code, owner operator workers comp no no https://justinkdorman.com/videos#wc-healthcare https://justinkdorman.com/videos/thumbs/wc-healthcare.jpg Healthcare Workers' Compensation Healthcare workers' comp covers hospitals, nursing homes, home-health agencies, urgent care, and multi-location medical staffing. This explainer reviews the dominant exposures — needlestick, lift injuries, COVID-era presumption laws, workplace violence — plus how to structure coverage across class codes 8832, 8833, 9040, and 9051, and why staffing-heavy medical groups often need wholesale placement. https://justinkdorman.com/videos/wc-healthcare.mp4 466 2026-05-27T12:00:00+00:00 yes healthcare workers comp, nursing home insurance, hospital workers comp, 8832 class code no no https://justinkdorman.com/videos#wc-restaurants https://justinkdorman.com/videos/thumbs/wc-restaurants.jpg Restaurant Workers' Compensation Restaurants run on tight margins and high-turnover labor — a classic workers' comp profile. This video explains class code 9082 (full-service) vs. 9083 (fast food), tip-income payroll treatment, slip-and-fall and burn frequency, liquor-service exposure, and how multi-unit franchise groups package monoline workers' comp alongside their property and GL. https://justinkdorman.com/videos/wc-restaurants.mp4 407 2026-05-27T12:00:00+00:00 yes restaurant workers comp, 9082 class code, restaurant insurance, hospitality workers comp no no https://justinkdorman.com/videos#wc-staffing https://justinkdorman.com/videos/thumbs/wc-staffing.jpg Staffing Agency Workers' Compensation Staffing agencies are one of the hardest classes in workers' comp because the workers leave the agency's control the moment they walk onto a client jobsite. This explainer covers temp-agency class codes by industry assignment, alternate-employer endorsements, certificate-of-insurance disputes, master policy vs. PEO structures, and how staffing firms with high-hazard payroll secure capacity through wholesale brokers. https://justinkdorman.com/videos/wc-staffing.mp4 408 2026-05-27T12:00:00+00:00 yes staffing workers comp, temp agency insurance, alternate employer endorsement, master policy no no https://justinkdorman.com/videos#wc-maritime https://justinkdorman.com/videos/thumbs/wc-maritime.jpg Maritime & USL&H Workers' Compensation U.S. Longshore and Harbor Workers' Compensation Act (USL&H) sits beside state workers' comp for any employee working over navigable waters — longshoremen, ship repairers, harbor construction, marine terminals. This video explains the Jones Act vs. USL&H distinction, how voluntary compensation endorsements work, federal benefit schedules, and why USL&H requires a maritime-licensed wholesale market. https://justinkdorman.com/videos/wc-maritime.mp4 336 2026-05-27T12:00:00+00:00 yes USL&H, longshore harbor workers, maritime workers comp, Jones Act, voluntary comp endorsement no no https://justinkdorman.com/videos#wc-peo https://justinkdorman.com/videos/thumbs/wc-peo.jpg PEO vs. Workers' Compensation Professional Employer Organizations (PEOs) co-employ their clients' staff and provide workers' comp under a master policy. This explainer compares PEO arrangements to traditional workers' comp, covers experience-mod portability when leaving a PEO, hidden cost pass-throughs, certificate language requirements, and when a wholesale workers' comp placement beats the PEO route. https://justinkdorman.com/videos/wc-peo.mp4 428 2026-05-27T12:00:00+00:00 yes PEO workers comp, professional employer organization, master policy, experience mod portability no no https://justinkdorman.com/videos#wc-class-codes https://justinkdorman.com/videos/thumbs/wc-class-codes.jpg Workers' Comp NCCI Class Codes Explained Every employee falls into an NCCI (or state bureau) class code that drives the workers' comp premium rate. This video walks through how class codes are assigned, governing-class rules, dual-wage states, the difference between standard exception codes and industry codes, and how misclassification — intentional or otherwise — triggers premium audits and assessments. https://justinkdorman.com/videos/wc-class-codes.mp4 333 2026-05-27T12:00:00+00:00 yes NCCI class codes, workers comp classification, governing class, dual wage, class code lookup no no https://justinkdorman.com/videos#wc-experience-mods https://justinkdorman.com/videos/thumbs/wc-experience-mods.jpg Workers' Comp Experience Modification (Mod) Factor Your experience modification factor is the multiplier applied to your workers' comp premium based on three years of loss history. This explainer demystifies the mod calculation — primary vs. excess losses, the credibility constant, expected losses, and why a mod above 1.00 means you pay more than the manual rate. Includes strategies for managing mods that drift above 1.25. https://justinkdorman.com/videos/wc-experience-mods.mp4 460 2026-05-27T12:00:00+00:00 yes experience modification factor, workers comp mod, NCCI mod, primary excess losses, mod calculation no no https://justinkdorman.com/videos#wc-deductibles https://justinkdorman.com/videos/thumbs/wc-deductibles.jpg Workers' Comp Deductibles Workers' comp deductible programs let employers self-insure the first dollars of every claim in exchange for lower premium. This video covers per-claim vs. aggregate deductibles, collateral requirements, the difference between net-deductible and gross reporting, large-deductible vs. small-deductible plans, and when a deductible structure makes sense for mid-market employers. https://justinkdorman.com/videos/wc-deductibles.mp4 445 2026-05-27T12:00:00+00:00 yes workers comp deductible, large deductible program, per claim deductible, collateral, net reporting no no https://justinkdorman.com/videos#wc-audit https://justinkdorman.com/videos/thumbs/wc-audit.jpg Mastering the Workers' Comp Premium Audit Every workers' comp policy is audited at expiration to true up premium based on actual payroll. This explainer prepares insureds for the audit — required records, payroll inclusions and exclusions, overtime treatment, subcontractor certificates, owner/officer payroll caps, dispute timelines, and how to fight an inflated audit bill. https://justinkdorman.com/videos/wc-audit.mp4 374 2026-05-27T12:00:00+00:00 yes workers comp audit, premium audit, payroll audit, overtime exclusion, audit dispute no no https://justinkdorman.com/videos#wc-understand-claims https://justinkdorman.com/videos/thumbs/wc-understand-claims.jpg Understanding Workers' Comp Claims From the first report of injury to claim closure, this video walks through the workers' comp claim lifecycle — medical-only vs. lost-time claims, indemnity benefits, permanent partial disability ratings, settlement structures, claim reserves, and how every open claim affects your experience mod and future premium. https://justinkdorman.com/videos/wc-understand-claims.mp4 423 2026-05-27T12:00:00+00:00 yes workers comp claims, indemnity benefits, medical only, lost time, permanent partial disability no no https://justinkdorman.com/videos#wc-assigned-risk https://justinkdorman.com/videos/thumbs/wc-assigned-risk.jpg The Workers' Comp Assigned Risk Pool When the voluntary market declines an account, the assigned risk pool (sometimes called the residual market) becomes the insurer of last resort. This explainer covers how state pools work, NCCI assigned-risk servicing carriers, Take-Out Credit programs, pool surcharges, and the wholesale-broker route for getting out of the pool back into the voluntary market. https://justinkdorman.com/videos/wc-assigned-risk.mp4 383 2026-05-27T12:00:00+00:00 yes assigned risk pool, residual market, NCCI assigned risk, take out credit, insurer of last resort no no https://justinkdorman.com/videos#wc-ghost-policies https://justinkdorman.com/videos/thumbs/wc-ghost-policies.jpg Workers' Comp Ghost Policies A 'ghost policy' is a minimum-premium workers' comp policy issued to a single owner with no employees — used to satisfy certificate-of-insurance requirements from general contractors. This video explains when ghost policies are legitimate, when they trigger audit problems, the difference between exempt owners and ghost-policy structures, and state-by-state variations. https://justinkdorman.com/videos/wc-ghost-policies.mp4 373 2026-05-27T12:00:00+00:00 yes ghost policy, sole proprietor workers comp, certificate of insurance, exempt owner no no https://justinkdorman.com/videos#wc-excluded-owners https://justinkdorman.com/videos/thumbs/wc-excluded-owners.jpg Excluding Owners from Workers' Comp Most states let business owners and officers exclude themselves from their own workers' comp coverage — saving thousands in premium. This explainer covers the exclusion forms (NCCI WC 00 03 08), election vs. exclusion, LLC member rules, corporate officer caps, and the gap-coverage trade-off when an excluded owner is injured on the job. https://justinkdorman.com/videos/wc-excluded-owners.mp4 374 2026-05-27T12:00:00+00:00 yes owner exclusion workers comp, officer exclusion, WC 00 03 08, LLC member exclusion no no https://justinkdorman.com/videos#wc-subcontractors https://justinkdorman.com/videos/thumbs/wc-subcontractors.jpg Workers' Comp & Subcontractors If your subcontractor doesn't carry workers' comp, you do — that's the statutory employer rule in nearly every state. This video walks contractors through certificate-of-insurance collection, uninsured-subcontractor audit charge-backs, additional insured endorsements, the subcontractor labor cost loophole closures, and how to keep audit additions to zero. https://justinkdorman.com/videos/wc-subcontractors.mp4 443 2026-05-27T12:00:00+00:00 yes subcontractor workers comp, statutory employer, certificate of insurance, uninsured sub audit no no https://justinkdorman.com/videos#wc-return-to-work https://justinkdorman.com/videos/thumbs/wc-return-to-work.jpg Return-to-Work Programs A formal return-to-work (RTW) program cuts indemnity costs, controls your experience mod, and gets injured workers back productive. This explainer details modified-duty job banks, transitional duty positions, employer-employee communication during recovery, the role of nurse case managers, and how to document RTW for audit and mod credit. https://justinkdorman.com/videos/wc-return-to-work.mp4 369 2026-05-27T12:00:00+00:00 yes return to work program, RTW, modified duty, transitional duty, indemnity cost control no no https://justinkdorman.com/videos#wc-safety-credits https://justinkdorman.com/videos/thumbs/wc-safety-credits.jpg Workers' Comp Safety Credits & Schedule Rating Beyond the experience mod, carriers can adjust premium up or down through schedule rating credits, drug-free workplace credits, safety program credits, and managed care discounts. This video covers what credits are available in each state, documentation requirements, and how a wholesale broker negotiates schedule credits with monoline markets. https://justinkdorman.com/videos/wc-safety-credits.mp4 417 2026-05-27T12:00:00+00:00 yes schedule rating credit, drug free workplace, safety credit, workers comp discount, managed care no no https://justinkdorman.com/videos#wc-osha https://justinkdorman.com/videos/thumbs/wc-osha.jpg OSHA Compliance & Workers' Comp OSHA citations and workers' comp claims feed each other — a recordable injury often triggers an OSHA inspection, and an OSHA violation is admissible evidence in a workers' comp claim. This explainer covers the OSHA 300 log, recordkeeping rules, the relationship between OSHA recordables and the experience mod, and how a documented safety program reduces both regulatory and insurance exposure. https://justinkdorman.com/videos/wc-osha.mp4 461 2026-05-27T12:00:00+00:00 yes OSHA compliance, OSHA 300 log, recordable injury, workers comp safety, OSHA citation no no https://justinkdorman.com/videos#wc-start-a-business https://justinkdorman.com/videos/thumbs/wc-start-a-business.jpg Starting a Business — Workers' Comp Setup New businesses face a workers' comp setup checklist before they hire their first employee: state mandate research, NCCI class code assignment, payroll forecasting, owner-exclusion elections, ghost-policy considerations, and which carriers welcome new ventures. This video is a step-by-step guide for entrepreneurs setting up workers' comp correctly from day one. https://justinkdorman.com/videos/wc-start-a-business.mp4 458 2026-05-27T12:00:00+00:00 yes starting a business workers comp, new business insurance, first employee, payroll forecast no no https://justinkdorman.com/videos#wc-sc-guide https://justinkdorman.com/videos/thumbs/wc-sc-guide.jpg Demystifying Workers' Comp — South Carolina Guide South Carolina is a competitive workers' comp state with the SC Workers' Compensation Commission setting benefits and the SCWCIRA collecting loss data. This guide explains SC's monopolistic carrier status (it's not — SC is open market), the second-injury fund history, voluntary market vs. assigned-risk through NCCI, and the SC-specific rules every employer needs to know. https://justinkdorman.com/videos/wc-sc-guide.mp4 336 2026-05-27T12:00:00+00:00 yes South Carolina workers comp, SCWCIRA, SC workers comp commission, SC monopolistic no no