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

• A break in policy terms may indicate inconsistent work load which can result in substandard employment.
• 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 is in-line with peers, in the 68th percentile.
• Moddecreasedby more than 75% of peers.

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.

• 14% of peers have changed carriers since last year.
• Current Carrier's market share is in the 95th percentile at 12.6% of the market.