Category Business Owners Resource Guide

If your business relies on independent contractors, you’re not alone. Many companies use 1099 subcontractors to handle fluctuating workloads, specialized projects, or seasonal demand. But what many business owners don’t realize is that how you classify your workers can affect…

Whether your janitorial company cleans office buildings, medical facilities, schools, retail stores, or industrial properties, your business faces unique risks every day. From slip-and-fall accidents to damaged customer property, employee injuries, and stolen equipment, even a small incident can lead…

Running a restaurant means juggling countless responsibilities—from serving great food and managing staff to keeping customers happy. But one responsibility that often gets overlooked until it’s needed is workers’ compensation insurance. Whether you own a small café, a family restaurant, a…

If you’re a Virginia business owner looking for workers’ compensation insurance, you’ve probably noticed there are several ways to buy it. You can purchase coverage directly from an insurance company. You can buy it online through a national website. Or…

Workers’ compensation insurance is designed to protect both your employees and your business when workplace injuries happen. But according to the latest injury trend data, the types of claims businesses are experiencing — and the cost of those claims —…

At Holley Insurance, we understand that workers’ compensation insurance can be a daunting subject for employers. Navigating the requirements of Virginia law, ensuring compliance, and maintaining proper coverage for your business can feel overwhelming. That’s why we’re here to make…

Workers Compensation 101: Subcontractors Counted As Employees From a workers’ compensation coverage and claim perspective, the mis-classification of subcontractors can have numerous unintended repercussions such as inflated premiums, increased EMR (experience mod factor), unexpected audit liabilities and potential legal issues. …

Workers Compensation 101: Employee Misclassification Workers’ compensation policy audits are crucial for ensuring the accuracy of premiums and aligning them with the real risks and activities of a business. Errors or misunderstandings during these audits can result in overpayment, underpayment,…