One of the most common questions employers ask is: “Should we report small claims to the …
The #1 Question Employers Ask: Should We Pay Small Claims Out of Pocket?Read More
Buyers Guide: Workers Compensation Insurance
The 70% Secret: How the ERA Cuts Your Mod Faster Than Anything Else
The Experience Rating Adjustment (ERA) is one of the most powerful, most overlooked cost-reduction …
The 70% Secret: How the ERA Cuts Your Mod Faster Than Anything ElseRead More
The 48-Month Trap: How One Bad Workers’ Comp Year Impacts Your Mod for Three More
A bad workers’ comp year can feel like a disaster. A cluster of injuries, a catastrophic loss, or a …
The 48-Month Trap: How One Bad Workers’ Comp Year Impacts Your Mod for Three MoreRead More
Who’s Really Running Your Claims?
When employers think about workers’ comp insurance, they often focus on premium. But behind the …
Insurance Math Uncovered: Losses, Expenses, Profit
Every year, employers write hefty checks to their workers’ comp insurance carriers. But do you know …
Play It Safe or Bet on Yourself?
Choosing the right workers’ comp insurance structure isn’t a spreadsheet exercise—it’s a reflection …
10 Proven Ways to Lower Your Experience Mod
When it comes to workers’ compensation, few numbers matter more than your experience modification …
Mark Your Calendar: How the Unit Statistical Date Shapes Next Year’s Premium
Most employers think about their workers’ compensation renewal date as the big moment to focus on …
Mark Your Calendar: How the Unit Statistical Date Shapes Next Year’s PremiumRead More
Reading Your E-Mod Like a Report Card (and How to Raise the Grade)
In workers’ compensation, your experience modification factor—your “mod,” “E-mod,” or “X-mod”—is …
Reading Your E-Mod Like a Report Card (and How to Raise the Grade)Read More
The Big Impact of Payroll & Class Codes on Your Experience Mod
When it comes to workers’ compensation costs, many employers focus on claims management, safety …
The Big Impact of Payroll & Class Codes on Your Experience ModRead More
Frequency vs. Severity: Which Hits Your Work Comp Mod Harder?
When it comes to workers’ compensation costs, few topics spark more debate—and confusion—than the …
Frequency vs. Severity: Which Hits Your Work Comp Mod Harder?Read More
Why Reporting Small Claims Pays Off in ERA States
When it comes to workers’ compensation, small claims might seem harmless. Many employers …
Understanding Classification Rules in Workers’ Compensation
When it comes to managing workers' compensation, understanding classification rules is fundamental. …
Understanding Classification Rules in Workers’ CompensationRead More
Emod Fundamentals – Perception of Risk
What we're trying to do here, what did not what necessarily we, what the insurance carriers, what th …
Fundamental #1 to Understand the Experience Mod in Workers’ Comp
Things that we don't understand can seem a lot more difficult than they actually …
Fundamental #1 to Understand the Experience Mod in Workers’ CompRead More
Understanding the Impact of Frequency and Severity on Workers’ Compensation Premiums
When it comes to calculating workers' compensation premiums, two critical factors play a …
Understanding the Impact of Frequency and Severity on Workers’ Compensation PremiumsRead More
Experience Mod Fundamental: Actual vs Expected
Let me talk about this in terms of a major concept, which is this actual versus expecting. So …
5 Strategies to Avoid Mega Problems in Large Deductible Policies
Large deductible insurance policies can be a tremendous advantage for employers. Significant cost …
5 Strategies to Avoid Mega Problems in Large Deductible PoliciesRead More
Understand And Improve Your Experience Modifier
To calculate your workers' compensation insurance premium, the insurance company takes into …
Know Your Correct Job Classification Codes To Save Workers’ Comp Costs
While implementing injury management best practices in workers’ compensation is the most effective …
Know Your Correct Job Classification Codes To Save Workers’ Comp CostsRead More
