Paul Griffin @WorkersCompMD
I help all companies reduce their workers compensation premiums. I do not sell insurance. Work on a reduced premium contingency basis. governmentproposals.org Columbia, SC Joined July 2010-
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You need to ask the carrier for loss runs a month or two before they report the lossses (i.e., claims) to the rating bureau.
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In most states, the ins. company reports your claims to the rating organization 18 months after policy effective month.
Workers Comp Claims: It is important you monitor claims to ensure the reserves are reasonable. They count on your experience mod factor.
We just helped a Fl company reduce their workers compensation audit by $23,000. Contact us for no fee review.
Workers Comp Codes: Ask your insurance agent to see if separation of payroll is allowed. If they can't tell you then contact us (no fee)
Premium auditors work for the insurance co. We are independent auditors for employers. We identify and correct insurance co. errors.
Paul Griffin retweeted
Workers Compensation Risks Personal to the Employee: Larson’s Workers’ Compensation Law, Chapter 9, which discusse... http://bit.ly/9zu8Op
You should strive to get the claim reserves reduced before the 18th month after policy effective month to reduce your Experience Mod.
In most states, the carrier reports your payroll and losses to the rating organization 18 months after policy effective date.
There are over 700 class codes with each having a different premium. Did you know that 15% to 40% of employers are misclassified?
The premium for your workers comp policy is based on payroll, the experience mod and the classification codes assigned.
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