GDI Insurance

At GDI Insurance Agency, Inc., we have been inundated with countless new clients that are all suffering from similar – if not the same – issues regarding Workers’ Compensation Audits that have gone awry. We’ve found that the majority of these insurance customers with Audit Issues are located in and around the Turlock, CA area [...]

According to some studies, roughly as many as 80% of all Workers’ Compensation claims filed are legitimate; meaning that nearly 20% (1 in every 5 claims) contains some element of fraud.  This is why it is important as an employer to watch for these red flags that may indicate fraudulent Workers’ Compensation, or other types [...]

I recently read an ARTICLE published by the Federal Times regarding the Workers Compensation costs associated with the U.S. Postal Service.  According to the article, an Inspector General inquiry has uncovered nearly $335M in excess Workers Compensation costs the Postal Service is spending as compared to its Private Sector counterparts.  One of the biggest issues is [...]

According to recent reports, nearly 30 million Americans telecommute (work from home) at least 1 day each week, and the trend is only expected to continue to increase. There are a multitude of benefits that Employers can realize when they allow their employees to telecommute such as Increased Productivity, Higher Morale, Less Employee Turnover, and [...]

Almost any broker will reiterate the classical Workers Compensation rhetoric regarding Frequency and Severity, Primary vs. Excess Losses, and how Safety Programs and Training could help reduce both the Frequency and Severity of losses.  They will also be able to claim that a given clients Experience Modification Factor (X-Mod) is either under control or out [...]

PEO BASICS & HOW THEY WORK Preferred Employer Organizations (PEOs) gained popularity through the 1990s and continue to be a popular alternative to many employers.  The idea behind a PEO is that small businesses can essentially pool themselves together to benefit from economies of scale usually reserved for much larger organizations (i.e. Payroll Services, Lower [...]

Depending on the industry, Workers’ Compensation costs are significant expense for many business owners; but unlike other large expenses, many business owners do not make fully informed decision when purchasing their policies. Through my experience working with clients at I have noticed that COST continues to be the primary driver behind an employer’s decision when [...]

The Workers’ Compensation Insurance Rating Bureau of California (WCIRB) issued its recommended Pure Premium Rates today for January 1, 2012.  Although there had been much debate and concern regarding this announcement amid numerous rumors and speculation that insurance rates would be increasing again to keep up with alleged continuous increases in costs incurred due to [...]

Return to Work Programs have been gaining a reputation among employees as being just another way for their employer to save money, and not much more.  It is true that an effective Return to Work Program can aid and employer in managing the indemnity portion of their workers’ compensation claims and in turn assist them [...]

Nearly every insurance broker has been heard saying that workers’ compensation insurance rates are going up. But what does that statement really mean? Although this is type of statement is true in the current market place, most brokers have little or no understanding as to why the rates are increasing; especially as the Workers Compensation [...]