For many employers, workers compensation performance eventually comes back to one number: the …
Buyers Guide: Workers Compensation Insurance
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
The #1 Question Employers Ask: Should We Pay Small Claims Out of Pocket?
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
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 …
