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Eric Patrick's Articles

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The Top 6 Workers Comp Insider Secrets This article describes 6 workers compensation insurance industry secrets The Not So Independent Contractor This article describes a common and seemingly innocent mistake that employers make when classifying their employees as true employees or independent contractors. Why Assuming Your Workers Comp Experience Mod is Correct Could be a Dangerous Calculation This article illustrates the importance and complexity involved in making sure a company's workers compensation experience mod is calculated correctly. Using "Illegal" Subcontractors Makes You a Target for Prosecution This article describes the problems employers face when they hire (knowingly or unknowingly) illegal immigrants either as employees or subcontractors. What Happens When You Die Without a Will? This article describes how someone's property is distributed under the intestacy laws of Pennsylvania should they die without a valid Will. How to Get Your Workers Comp Misclassification Refund This article helps organizations determine whether or not their workers compensation insurance company has properly classified their buiness. It also offers a "how to" guide to determine if they are owed a refund. Workers Comp Misclassifications Can Cost Employers a Fortune This article describes how employers may be paying uncessary workers comp premiums because their businesses are misclassified. Lack of Workers Comp Could Mean Jail Time for Employers This is the first of a 6 part series pertaining to the trouble that businesses and business owners can find themselves in when dealing with the workers compensation system. This articles deals with both the civil and criminal penalties that any organization with employees could face if the state finds them to be non-compliant. The IRS to the rescue! This article illustrates a little known tax deduction that can be taken if you suffer an unreimbursed property loss. It also shows that a good insurance agent / advocate is aware of these sorts of things and can therefore help protect you even when your insurance doesn't. Three Big Mistakes People Make When Purchasing Home Insurance In PA This article pertains to navigating the minefield of tricks and traps one must avoid when buying homeowners insurance in Pennsylvania. The point of the article is to point out the most common and potentially devasting mistakes so that the insurance buying public can better avoid them.

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