We may be able to find you a more suitable carrier for your business insurance. We have extensive data on carriers, their coverage, and company rates. Rather than having an agent sell you, why not find which carrier is best for your business and approach them? Contact Us to see if there is a better fit for your business. We are not insurance agents, and are not trying to sell you anything. We will simply tell you some carriers that may be better suited, and suggest agents in your area.

The Mod Rating is one of the two most important factors that effect a carrier's premium for workers comp insurance. Each business in a state is provided a mod rating by the state's rating bureau which is a reflection of the amount of workers comp claims they have had. If someone has an accident at work, your mod rating will increase and so will your premium.

A Loss Cost Multiplier, or LCM, is a rating for an insurance carrier that reflects their overhead in providing coverage for workers comp insurance. It is one of the two main ratings that effect an insurance premium. You are more likely to get a better premium from a carrier with a lower LCM, so it is important to know what your carrier's LCM is. While a premium is generally the result of a formula, carriers are able to deviate plus or minus 25% from that formula.