In the world of workers’ comp, high experience modification factors (mods) often make clients harder to place and harder to keep. But brokers who see beyond the mod and deliver real, ongoing value can transform high-mod clients into loyal, long-term...
The workers’ compensation industry is at a turning point. Rising medical costs, evolving workplace risks, and growing demand for proactive solutions have made one thing clear: the future of workers’ comp insurance isn’t just about paying claims, it’s about preventing...
How sales support, embedded safety, and real partnership help you win more. In a competitive insurance market, the difference between closing a deal or losing one often comes down to the support behind the quote. At Foresight, we do more than provide a policy. We...
Insurance is meant to protect your business after something goes wrong — but what if it could help prevent those losses in the first place? At Foresight, we believe the future of insurance is safety-driven, and we’re leading the way Safety Isn't an Add-On — It's...
Construction is one of the most dynamic and dangerous industries in the U.S. Every day, crews face real risks: falls, equipment injuries, electrical hazards, and more. That’s why choosing the right workers’ compensation (WC) policy isn’t just a box to check, it’s a...
As a broker, you know your clients want more than just a policy; they want peace of mind, fewer claims, and lower premiums. In today’s risk environment, commercial insurance with embedded safety tools are not just a bonus. They’re a differentiator. ...
When you're trying to place a client with a high experience mod (ex-mod) score, the list of workers’ comp carriers willing to take the risk shrinks fast. Standard markets often shy away and assigned risk pools don’t always deliver the service or pricing your client...
For top-performing agents and brokers, July 1st often marks a high point in the calendar year. But once those major renewals are behind you, the pace can slow down. That doesn't mean your growth should. The smartest professionals in the business use this time to...
If you’ve ever received a workers’ comp quote and noticed a high premium, your experience modification rate, or mod, could be the reason why. Specifically, a higher mod in workers' comp can significantly increase your insurance costs. But what exactly is a mod, how...
What are Loss Runs and How to Get Them - Workers Comp 101 Every business has a documented history of its insurance claims, known as loss runs. These reports are crucial for insurance providers to assess a company's risk profile and determine appropriate coverage and...
Texas remains a unique and vital market in the U.S. for workers’ compensation, marked by its opt-out system and dynamic regulatory environment. Here’s an up-to-date, data-driven snapshot to help you advise clients and stay ahead in 2025. What You Need to Know About...
The workers’ compensation claim process isn’t straightforward. Each state has different workers’ compensation laws that affect the process. One question insureds often ask is, “how long can workers’ comp claims stay open?” When a work-related injury happens, the...