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MFS Insurance, Inc. Blog

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 If you are a residential contractor without any employees, as of August 2nd 2017 you are no longer required by law to show proof of workers compensation insurance. Although, going without worker’s compensation insurance could potentially leave you exposed, you aren’t required to obtain it. READ MORE >>

Living in the Natural State we are used to having sporadic weather.  It's basically a part of life!  Often, we find a 20-30 temperature shift during certain times of the year in a period of less than 24 hours. Some of the most interesting weather shifts I've personally observed were on a deer stand in the late fall to early winter. READ MORE >>

Each year it is estimated that more than 51,000 electrical fires are started causing $1.3 billion in damage to homes and properties across the country. Many of these electrical fires could have been avoided with routine maintenance to the electrical and emergency devices in your home. READ MORE >>

Memorial Day has come and gone and I can officially report that summer has begun. The swimming pools are open, the kids are out of school, and for some it’s time to bring out the boat to explore and enjoy the many great lakes and rivers that Arkansas has to offer. READ MORE >>

             In Jennifer Goforth Gregory's article found on, she discusses some of the common car insurance mistakes made by parents when sending their children off to college to start their new adventure. READ MORE >>

It seems like just yesterday it was a frigid day in December and the boats that were being pulled up and down south Arkansas’s highways were full of decoys and hunting gear. Now, in a blink of an eye, it is the middle of May and summer is starting up. READ MORE >>

A recent report from Insurance Journal can be found here: As we've mentioned before, the state of Arkansas has very competitive work comp rates and legal environment.  In fact, we had the 3rd lowest sample rates from all states! READ MORE >>

Now we move to the gritty portion of work comp audits.  You've contacted your agent and walked through all the items you need to have in hand before auditor shows up............correct? Let's back up a few steps!  First of all, it's best to have a simple checklist in preparation for audit so you don't forget anything. READ MORE >>

Come on now!  Don't put insurance audits down the basement like that!  When it comes to you work comp audit, preparation is the key to making it a smooth process.  On the contrary, if you can make an IRS audits smooth let me know because I'm calling to find out. Back on the insurance topic. READ MORE >>

Good news about your work comp premium.......Arkansas has a great legal climate compared to most states.  It's very fair to employers and employees alike.  This combination has attracted healthy competition from many insurance companies which ultimately lowers the premium for employers in Arkansas who can pass savings down with higher wages to employees. READ MORE >>

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