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

• 增加模块,减少市场份额可能印第安纳州icate carrier is tightening underwriting guidelines and/or has written higher risk accounts that they are less willing to fight for.

Worker's Comp premium is based on two key factors - the LCM your carrier has filed to use, and the total payroll you run over the policy term, which is multiplied by the rate to determine premium.Comparing premium to businesses in the same industry and of similar size can indicate how fair your WC insurance provider's costs are relative to the market.

• Premium isHigherthan 82% of peers.
• In the last year, premiumDecreasedby more than 75% of peers.

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 100th percentile compared to peers.
• Modincreasedby more than 75% of peers.

LCM对您的WC成本具有最大的影响。运营商将LCM与国家批准的损失成本乘以您的就业分类以创建您的保单税率。承运人集团有几个运营商的档案，使承销商可以根据风险积极地定价，以使其过分审慎。

• 当前载体的LCM是Very Good, in the 7th percentile compared to 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.

• 自去年以来，有13％的同龄人改变了运营商。
• 当前运营商的市场份额是第一个百分点，占市场的12.5％。

Most employers with 10 or more employees are required to maintain injury and illness records, known as the 300 log. In the event of an inspection, this information will likely be requested. Even without injury or claim, the proper documentation should be readily available on a location by location basis. These logs are critical but simple to maintain.

• 应为有严重和/或重复违规的企业提供风险管理实践，以消除不必要的风险并最大程度地减少当前流程中必须存在的情况。