Navigating the complexities of workers' compensation insurance can be challenging for employers, especially when considering alternative options like captive insurance…
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Tired you feeling overwhelmed by increasing insurance expenses? We get it. That's why we're here – to simplify captive insurance…
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In the world of insurance, the language used can often sound like a foreign code to those not immersed in…
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Buffer Layer – A buffer layer is any layer of coverage that fills the void between a primary layer and…
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PA employers will soon see a change to the factors that are used to calculate their workers’ compensation experience rating…
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Summer heat can be more than uncomfortable—it can be a threat to your health, especially for older adults and children.…
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When it comes to protecting your employees and ensuring a safe working environment, workers' compensation programs play a crucial role.…
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It’s no secret that overtime work is a needed practice in many industries today, especially social services. While it can…
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Hearten offers proactive claims handling and medical cost management that, in turn, delivers the best results for Hearten members.
When insurance carriers are calculating premium rates to charge, they need to deep dive into the loss history of a…
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