The Total Recordable Injury Rate and the Experience Modification Rate are both critical employer safety metrics. Both the TRIR and the...

I'm reading another great book (Tiny Habits by BJ Fogg) that has given me a new mental model to improve both my professional and personal...

I wrote a blog post titled What Is A Good Experience Modification Rate? It explains why a good, below 1.00, Experience Modification Rate...

I saw a post where a construction company was trumpeting their latest Experience Modification Rate, a .66. Rightfully so, they should get...

An industry colleague of mine posted this on Linkedin recently: “With very few exceptions, there is no direct relationship between the...

How To Close The Work Comp Information Gap And Save Money

I have spoken out about flaws in the Experience Rating program which is commonly used as a qualifier for new business proposals and...

Workers Compensation Audit Refunds. Do they Indicate You Didn't Overpay?

States, like California, have been issuing orders to insurance companies to refund premium to customers for overpayments made on certain...

I read a recent article in Construction Business Owner Magazine called “9 Tips to Maximize Your Company's Profit Potential.”  The #1 tip...

Cytron Group LLC has put together a list of questions, concerns, issues, etc. that an employer may want to address with its trusted...

Coronavirus and shelter-in-place rules have occurred quickly and turned so much of our society on it’s head, truly, overnight.  Many...

My wife always warns me that she can see eyes glaze over when I start speaking about insurance. So, when asked what I do for a living, I...

Below is an actual email exchange between a client and his insurance company auditor regarding a reclassification. Who is right?

"Buying down" experience modification rates is an issue about which NCCI has been trying to educate people.

There is a good reason why I send this reminder at the beginning of the year which I'll explain. But, first, in case you're not familiar...

There are numerous KPIs we could utilize depending on organizational objectives and goals. But, here are three suggestions that can help...

The down side of this otherwise positive trend could reside in your Experience Modification Rate.

There are 3 simple ways to reduce your Experience Modification Factor. Simple in the sense that they are all services for which you...

As I wrote in "Part 1," I read an article on this subject that I thought was very interesting. I thought, here, I would add my thoughts...