I have received the following comment from clients numerous times; "Stuart, don't worry about auditing [that] year. We got a refund." The...

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 insur...

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

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 w...

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 engag...

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 a...

I commented last week on an article I read about this subject, and it provoked so many thoughts on the matter that it's possible to write...

The Missouri Employer-Paid Medical Program allows employers to have certain medical-only claims excluded from their experience modificati...

Twice in the last year I’ve worked with clients who came to me with similar experience rating problems involving the sale of a division. ...

Which of the following scenarios would you think hurts your NCCI Experience Mod the most?  Which one the least? A)  You have 100 medical-...

Renewal season is here, or about to be, for most of you with the majority of businesses renewing their insurance programs on either 12/31...

If you are one of the 70% of organizations that renew on 12/31 or 1/1, there is an approaching deadline 6 months from now for which you n...

This post was updated on July 22, 2019