Article

Monitoring the Mod

In your agency, I bet it is common practice to review renewals 6-8 months in advance, right? Right! (he says sarcastically)  Well, if the workers compensation is experience rated, there…

More NCCI Experience Mod Q&A

Our “Ask an Expert” service got this question recently: “I have a customer that has not had a workers comp loss in over 8 years. How do you explain that…

Financial manager, realtor or insurer consulting clients, interviewing interracial couple in office. Happy smiling black wife and caucasian husband taking loan, mortgage, purchasing real estate

Understanding Medicare

With an aging population, do you understand what Medicare is all about if asked by a customer? What does it cover? What does it NOT cover? When can someone enroll?…

Medical blue background doctor with a stethoscope

When Prescription Coverage Is Not Good!

Many insureds receive an increase in benefits when a health insurance policy adds prescription coverage to the benefits that had already been granted. Other insureds may be surprised to find…

NCCI Experience Mod Q&A

​​​Numerous questions arrive at the VU about workers compensation modifications. Be sure to use the VU search function to find several articles on this subject, including calculations and correcting errors.…

Growth charts and graphs. Pile of reports.

Three Quick Analyses of an NCCI Mod Worksheet

If you are meeting with a prospective client, ask for a copy of his most recent experience rating worksheet. Performing the following quick analyses can give you good insight into…

Predictive analytics, data visualization, business forecasting concept. Data analytics for continuous improvement and business development. Predictions about future outcomes and performance.

The Theft “Inventory Shortage” Exclusion

The Special Causes of Loss form (and most crime forms) excludes losses “where the only evidence of the loss or damage is a shortage disclosed on taking inventory.” In other…

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