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?

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 89% of peers.

When you get coverage from a Carrier, you are placed in one of their 'Carrier Tiers' (An insurance company under the carrier's umbrella). These individual tiers get a rating from the bureau referred to as an LCM, which effects the premium you pay.

• The LCM of the Current Carrier isHigher超过75％的同行。
• Shopping around for a carrier that would provide a more competative tier would make sense.
• LCMIncreasedby 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.

• 5% of peers have changed carriers since last year. Those who did, saw a 27.3% decrease in premium vs those who stayed with their current provider had a 1.4% increase, roughly 20x those who stayed with their current provider.
• Current Carrier's market share is in the 75th percentile at 2.2% of the market.