What you need to know about your E-Mod

Jace Pearson, Commercial Insurance Agent at Beehive Insurance If your job description includes any duties associated with Worker’s Compensation Insurance, you are aware that the premium you pay is adjusted by your Experience Modification Factor (EMF).  The theory behind the EMF is simple: the formula compares your actual loss dollars (the numerator) to your expected loss dollars (the denominator).  If …

Risking a lot for a little

Adam Snow, Beehive Insurance We are going to start with a little bit of day dreaming today! Let’s say you’re in Switzerland driving your new Audi R8 along a winding mountain road. It’s a beautiful day. You’re enjoying the drive. Maybe you’ve got some of your favorite music going. And you’re on your way to a nice dinner party with all of …