Workers' Compensation Video Library

21 plain-English explainer videos for retail insurance agents, brokers, risk managers, and business owners. Class codes, experience mods, audits, USL&H, ghost policies, OSHA, return-to-work, and industry-specific guides — produced and narrated by Justin K. Dorman, National Product Manager for Workers' Compensation at Burns & Wilcox.

21
Videos
2.5h
Total runtime
100%
Workers' comp
Free
No signup

Industries

Specialty industry sectors — high-hazard and frequently restricted classes.

Industries 6:15

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.

6:15 · Workers' Comp
Industries 8:08

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.

8:08 · Workers' Comp
Industries 7:46

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.

7:46 · Workers' Comp
Industries 6:47

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.

6:47 · Workers' Comp
Industries 6:48

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.

6:48 · Workers' Comp
Industries 5:36

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.

5:36 · Workers' Comp
Industries 7:08

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.

7:08 · Workers' Comp

Core Concepts

The fundamentals every retail agent and risk manager needs to know.

Core Concepts 5:33

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.

5:33 · Workers' Comp
Core Concepts 7:40

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.

7:40 · Workers' Comp
Core Concepts 7:25

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.

7:25 · Workers' Comp
Core Concepts 6:14

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.

6:14 · Workers' Comp
Core Concepts 7:03

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.

7:03 · Workers' Comp
Core Concepts 6:23

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.

6:23 · Workers' Comp

Operations & Programs

How workers' comp interacts with day-to-day operations and risk programs.

Operations & Programs 6:13

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.

6:13 · Workers' Comp
Operations & Programs 6:14

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.

6:14 · Workers' Comp
Operations & Programs 7:23

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.

7:23 · Workers' Comp
Operations & Programs 6:09

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.

6:09 · Workers' Comp
Operations & Programs 6:57

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.

6:57 · Workers' Comp
Operations & Programs 7:41

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.

7:41 · Workers' Comp
Operations & Programs 7:38

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.

7:38 · Workers' Comp

South Carolina

Workers' compensation specific to South Carolina employers.

South Carolina 5:36

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.

5:36 · Workers' Comp

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