When it's time to renew or restructure a workers' compensation insurance program, many …
Why Choosing an Insurance Structure Requires a Team ApproachRead More
Buyers Guide: Workers Compensation Insurance
Five Questions to Ask Before Joining a Workers’ Comp Captive
A captive insurance arrangement can be one of the most financially rewarding ways to manage …
Five Questions to Ask Before Joining a Workers’ Comp CaptiveRead More
The Danger of Getting Comfortable with a Good Mod
A mod below 1.00 feels like proof that things are working. It shows up on the renewal paperwork, …
The Hidden Risk of Standing Still While Your Industry Improves
Why Your Mod Can Rise Even When Your Safety Record Hasn't Changed Most employers assume their …
The Hidden Risk of Standing Still While Your Industry ImprovesRead More
How Four Days Can Change Your Experience Mod
When employers think about lowering their workers' compensation premiums, they often focus on …
Looking Beyond Price When Selecting a Workers’ Compensation Partner
When employers evaluate workers’ compensation carriers, TPAs, or claims administration services, …
Looking Beyond Price When Selecting a Workers’ Compensation PartnerRead More
The Mod Is a Scorecard, Not a Strategy
For many employers, workers compensation performance eventually comes back to one number: the …
Why Financial Leaders Need a Seat at the Workers’ Comp Table
Workers’ compensation insurance is often viewed as an operational issue. Safety teams focus on …
Why Financial Leaders Need a Seat at the Workers’ Comp TableRead More
The Real Reason Employers Overpay for Workers’ Comp
Many employers believe their workers’ compensation costs are simply the price of doing …
The Real Reason Employers Overpay for Workers’ CompRead More
Stop Ignoring Your Mod Worksheet — Start Using It
Every year, employers receive a document that has a direct impact on their workers’ compensation …
Bad Mod, Better Pricing? Here’s How It Happens
Most employers believe their workers’ compensation pricing is simple: “If our experience mod …
WCRI Notes and Takeaways: Why Workers’ Comp Is Profitable but Not Growing
At this conference, I attended a session presented by Bob Hartwig, Ph.D., Director of the Risk and …
WCRI Notes and Takeaways: Why Workers’ Comp Is Profitable but Not GrowingRead More
Why Your CFO Should Be Involved in Workers’ Comp Insurance Strategy
When employers evaluate workers’ compensation insurance programs, the conversation almost always …
Why Your CFO Should Be Involved in Workers’ Comp Insurance StrategyRead More
The Hidden Stabilizer Inside Your Mod Worksheet
If you’ve ever looked closely at your experience mod worksheet, you may have noticed a term that …
Small Mod Changes, Massive Cost Impact
Many employers see their experience modification factor move from 0.90 to 1.10 and …
How Low Can Your Experience Mod Really Go?
Many employers look at their experience modification factor (mod) and ask a simple …
How Risk Financing Really Works in Workers’ Comp (And Why Structure Matters)
When employers talk about workers’ compensation costs, the conversation often centers on premiums, …
How Risk Financing Really Works in Workers’ Comp (And Why Structure Matters)Read More
Think You’re Too Big to Worry About Frequency? Think Again
When a large company faces a single catastrophic injury, it grabs attention—and rightly so. These …
Think You’re Too Big to Worry About Frequency? Think AgainRead More
Can a High Deductible Plan Help Lower Your Mod?
When it comes to structuring your workers’ compensation insurance, high deductible plans offer …
The 70% Discount You Might Be Missing in Workers’ Comp
Many employers worry that reporting small injuries will automatically raise their workers’ comp …
The 70% Discount You Might Be Missing in Workers’ CompRead More
