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.

工人的溢价基于两个关键因素 - 您的运营商已申请使用的LCM，以及您在保单期限内运行的总工资，该薪金乘以确定保费的费率。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.

• 溢价与同行在第67个百分位数。

LCMs have the largest effect on your WC costs. Carriers file LCM's which are multiplied with the state approved Loss Costs for your employment classifications to create your policy rates. Carrier Groups have several Carrier Tier's each with their own filing, allowing their underwriters to price aggressively to overly prudent depending on the risk.

• The LCM of the Current Carrier isHigher超过86％的同行。
• Shopping around for a carrier that would provide a more competative tier would make sense.

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.

• 11% of peers have changed carriers since last year. Those who did, saw a 30% decrease in premium vs those who stayed with their current provider had a 2.9% increase, roughly 10x those who stayed with their current provider.
• Current Carrier's market share is in the 99th percentile at 74.3% of the market.