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Blog articles about commercial insurance

Workers Compensation Audits When You Use Sub-Contractors

By |2022-03-10T20:56:01-06:00January 11th, 2022|Uncategorized, Workers Compensation|

Several insurance companies are moving away from accepting Iowa Workforce Development form 14-0061 to exclude sole-proprietors and LLCs without employees from workers compensation audits. Iowa House File 259, passed in April 2015, mandated a new reporting website for sole-proprietors and LLCs without employees to file their workers compensation exemption. That website is now fully operational. [...]

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Commercial Auto Insurance – What’s Driving Up Rates

By |2020-03-21T15:00:20-05:00September 14th, 2017|Commercial Auto Insurance, Commercial Insurance|

Anyone with a commercial auto insurance policy, or a personal auto insurance policy, for that matter, knows that premiums have been steadily climbing.  But it's not insurance company profit motives driving the increase.  Losses in the commercial auto insurance line of business have been increasing due to factors we all deal with on the road.  [...]

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City of Des Moines proposes new Taxi/Uber ordinance

By |2015-05-28T01:07:30-05:00February 9th, 2015|Commercial Auto Insurance|

As we wrote in a previous blog post, the new ride-sharing service, Uber, has created concerns for regulators and insurance companies alike.  From a regulation stand point, local governments have struggled with finding fair rules that keep up with modern technology.  On the insurance side, carriers have struggled to accurately assess the risk of being an [...]

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The Uber Insurance Predicament

By |2020-03-20T12:54:30-05:00July 25th, 2014|Car Insurance, Commercial Auto Insurance, Commercial Insurance|

Uber, the controversial ride-sharing app, is coming to Des Moines.  So what does that have to do with insurance? The app connects people looking for a ride with people who are willing to give them a ride, using the later's personal car.  The driver has to apply to Uber to be a driver, meet some [...]

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Malaysian Airlines Insurance Predicament

By |2015-03-25T03:58:28-05:00July 23rd, 2014|Aviation Insurance, Commercial Insurance, General Liability, Weird And Wacky|

The loss of Malaysian Airlines flight MH17 over Ukraine was a tragedy.  The cleanup has begun and the bodies of the 298 deceased on board have been recovered and sent to a temporary staging area.  While the cleanup at the crash site is wrapping up, the debate on the financial cost of this accident has [...]

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Not Carrying Work Comp Insurance Could Land You In The Slammer

By |2020-03-20T12:54:47-05:00July 9th, 2014|Commercial Insurance, Workers Compensation|

Iowa law mandates that any person or business with employees must carry Workers Compensation Insurance.  The penalty for not complying is a Class D Felony punishable by up to 5 years in jail and a $7,500 fine.  Surprised? So, what constitutes an employee? Well, really anyone that is hired by a person or business to [...]

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Traffic Cameras In Clive Are Being Removed

By |2015-03-25T03:56:41-05:00June 30th, 2014|Auto insurance, Car Insurance, Commercial Auto Insurance|

If you live in the Des Moines Metro you are surely aware of the Clive red light cameras along Hickman Road.  They have been snapping candid shots of drivers since 2006.  Today is the last chance you have to receive a 'free' picture of your car from the City of Clive (Well, actually a company contracted [...]

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Does your business have a “competent squatter”?

By |2020-03-20T12:54:51-05:00June 10th, 2014|Commercial Insurance, Group Benefits, Workers Compensation|

Every business seeks out the motivated, talented, ambitious, and innovative employee.  But not every employee will have all (or any) of those qualities.  Workers that don't meet the above criteria can still have a place within a company. This is the employee deemed the "competent squatter" by R.J. Morris, director of staffing at McCarthy Building [...]

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How high will your health insurance premiums be next year?

By |2018-04-26T11:29:49-05:00October 4th, 2013|Group Benefits, Health Insurance, PPACA|

Many younger, healthier individuals could be surprised to see the cost of their insurance skyrocket 40 percent or more under the Affordable Care Act (ACA) in 2014. What's behind this? The ACA imposes a form of modified community rating which compresses the rate classes, and prohibits rating using gender or health status. The factors that can be [...]

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No Good Deed Goes Unpunished

By |2020-06-11T10:49:33-05:00May 13th, 2013|Farm Liability, General Liability, Personal insurance|

Have you ever allowed someone to hunt on your land? Given the neighbor's kids permission to play football in your yard? Maybe you let someone park in your driveway that one time.  Well, the new Iowa Supreme Court ruling may have you thinking twice about these good deeds. In a recent Iowa Court of Appeals [...]

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Phillips Stafford Insurance Group is an independent insurance agency with office locations around Iowa. We specialize in working with business owners to protect, grow, and transition their business. We are also well equipped to handle all personal insurance needs.

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Phillips Stafford Agents are Independently contracted.
Licensed in IA, AZ, KS, MN, MO, NE, OH, SD
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