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...
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...