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The Importance of Workers Compensation Code Classification

The National Council on Compensation Insurance (NCCI) currently utilizes over 700 class codes. These four digit codes represent the specific work duties and job classifications assigned to each employee. Code classifications contain detailed descriptions of work and represent the hazards associated within the process of their job duties. For Example Class code 8810 is for […]

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7 Brewery Insurance Policies to Consider

Over the last decade or so microbreweries, craft breweries and brewpubs have exploded coast to coast. Today, there are more than 2,300 breweries and brewpubs in the U.S. There are a number of risks brewery owners and managers face manufacturing and selling beer. The specific insurance needs of each brewery are unique depending on the […]

Brewery Safety

4 Ways to Save on Brewery Workers Compensation Insurance

“What are workers compensation rates and where do they actually come from?” is a question we often hear when assisting start-up breweries. Even established brewery owners and managers ask this question. Let’s face it, your job is to make fantastic beer not to understand the nuances of insurance. Breweries may not know or remember how […]

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Small Business and PPP

Everyone is touting Small Businesses are getting LOTS of help. But this is how it REALLY is!   The Paycheck Protection Program is not much help for the majority of “mom and pop” shops throughout the country, who are often sole proprietors or an LLC with few to no employees or mostly part-time employees. In […]

COVID 19

WCIRB Alert

On 4/17/20, the WCIRB put out the formal announcement which affirms earlier speculation. This is good news for our clients that have been impacted by the COVID-19 devastation. -SUMMARY- COVID claims will not impact the experience modification 2. Payroll for employees staying at home, he WCIRB just put out the formal announcement which reaffirms our earlier email.  […]

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If I Had a Crystal Ball

If I had A Crystal Ball – one person’s opinion If I had a crystal ball and could have seen into the future to learn that a pandemic was approaching, would I have even been able to find or afford insurance to cover my economic losses? No, the coverage simply wasn’t available, at any cost, […]

Coronavirus Business Loan Resource

Disclaimer: This document is not intended to provide any legal advice or opinion on any individual situation and should not be relied on to determine course of action. The information is based on review of emergency business loan guidance from sources we deem to be reliable and communications we have received from various resources. We […]

COVID 19

Coronavirus Insurance Information

Personal Note from the UWIB Team: These are challenging times for everyone, including business owners, and we’d like to share a guide for 11 types of insurance coverage that may be impacted by the Coronavirus. We understand that the following information contains many legal terms, so please contact a member of your sales team if […]

Contractor Risk Management

What Is Contractors General Liability Insurance?

Protect yourself and your business from financial loss with General Liability Insurance for Contractors. Purchasing General Liability insurance is a must for all general contractors and construction companies. This type of insurance policy can cover the cost of suits and damages brought by others against you, your business or your employees over property damage or […]