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

• Increasing LCM and decreasing market share may indicate carrier is tightening underwriting guidelines and/or has written higher risk accounts that they are less willing to fight for.

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 63rd percentile.
• 最近的mod增加了。

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，与同行相比，第15个百分位数。
• In the last year, LCMDecreasedby 11%. While peersIncreasedan average of 6%.

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.

• 15% of peers have changed carriers since last year.
• 当前的Carrier's market share is in the 99th percentile at 25.9% of the market.

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。