These are points that might help guide an agent as they look to approach a prospect.

• Premium decreased after the policy was bound. Did payroll drop, or a last minute credit?

Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

• Experience Mod ishigh. It is in the 75th percentile compared to peers.
• There was a recent mod increase.

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

• 13% of peers have changed carriers since last year.
• Current Carrier's market share is in the 95th percentile at 9.2% of the market.