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

• 高级增加和载体组变更可能表明索赔发生。

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.

• Premium isHigherthan 83% of peers.
• In the last year, premiumIncreasedby more than 75% of peers.

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 isHigherthan 79% of peers.
• 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.

• 自去年以来，有10％的同龄人已更换了运营商。那些这样做的人的保费降低了19.5％，而与当前提供商在一起的人则减少了4％，大约5倍与当前提供商在一起的人。
• Current Carrier's market share is in the 50th percentile at 0.8% of the market.