Acquiring a Business with Claim-Free Status

There may be a time when your business receives the compensable claim free discount after acquiring another business that already has this rate established. This discount means you will pay a lower workers' compensation insurance premium rate than the average employer in your industry.

The rate is reserved for employers who have gone three straight years, without a compensable claim. In some cases, buying another business with an outstanding record qualifies you to also receive this discount. Please be aware that a single injury claim, resulting in a PPD (permanent partial disability award) or a time-loss payment, will raise your rates dramatically. So it's in your best interest to focus on safety, and to understand what you should do in the event one of your employees is injured on the job.

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