Commercial > FAQs
Commercial Main | Major Carriers | Portfolio of Products | Service Philosophy | Claims | Resources | FAQs For frequently asked questions and answers about commercial property and casualty insurance and risk management services from Liberty Insurance Agency, please look below: What is the basis used for determining the premium charge for each classification?The basis used for determining the premium charge for each classification is indicated in the classification section of this Manual. The definitions of the bases of premium are as follows… What is an Independent Contractor?"One who contracts to do work according to his own direction using Independent Employees and without being accountable to his employer, except for the results of his work….." What is TRIR, and how is it calculated?Your Total Recordable Incidence Rate (TRIR) is a measure of the rate of recordable workplace injuries, normalized per 100 workers per year. The factor is derived by multiplying the number of recordable injuries in a calendar year by 200,000 (100 employees working 2000 hours per year) and dividing this value by the total man-hours actually worked in the year. RECORDABLE CASES: Occupational death, nonfatal occupational illness, and those nonfatal occupational injuries which involve one or more of the following: loss of consciousness, restriction of work or motion, transfer to another job, or medical treatment (other than first aid). Click here to download document
Am I prepared for a Workers Compensation Safety Committee Audit?The Pennsylvania Bureau of Workers Compensation is conducting audits of safety committees that have received state certification. The purpose is to verify all information submitted on the original application and renewal affidavits. Click here to download document
What do I need to know about small business insurance?The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and ingenuity. However, no matter how industrious the business owner, one simple mishap such as a hurricane or lawsuit can wipe out all the profits and even destroy the business. The key to making sure that all the effort and money invested in a business doesn't disappear when a disaster strikes is to protect a business with the appropriate insurance… Click here to download document
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