Commercial Lines

Workers Compensation and Illegal Immigrants

One of the few email discussion lists I participate in is a Yahoo! Groups list called “RiskList.” Recently, the topic of discussion was illegal aliens and workers compensation. Some of…

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

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…

Weather and Off-Premises Power Failure

A 17-store chain of restaurants were shut down recently by Hurricane Charley. Direct property damage was actually minor at all locations; however, an area-wide power outage resulted in several of…

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