Keystone Human Services is based in Dauphin county in Pennsylvania. They operate in the Services industry, specifically in Individual and Family Services, which is a low risk industry. It is worth putting effort into risk management to be able to leave the Assigned Risk pool.
Having been with the same worker's comp carrier for 14 years, it may be wise to shop around. We see commercial coverage for them in 3 states including Delaware, Maryland, Pennsylvania.
The LCM is the rate that is applied to a carrier, representing the risk covered by that carrier. The current carrier's LCM is 1.170. An LCM of 1.170 is pretty good. More details on how it compares can be seen below.
An Experience Mod (MOD) is a rate applied to the business. It represents how risky the business is based on past claims. This business has a MOD of... You'll need to join... Which is an excellent rating no matter the industry, and should be able to shop aggressively.
This chart represents the range and distribution that carriers are charging per $100 of payroll for businesses similar to Keystone Human Services. This can give you an idea of what carriers might best fit your business.
Enter the State, Mod, and Payroll for each employee class to get premium estimates from the top carriers writing that class of business
Carriers are sorted by number of accounts in that class of business.
Mod is an indication of how risky a company is to insure. It is based on a company's claim history.
LCMs have the largest effect on your WC costs. Carriers file LCM's which are multiplied with the state approved Loss Costs for your employment classifications to create your policy rates. Carrier Groups have several Carrier Tier's each with their own filing, allowing their underwriters to price aggressively to overly prudent depending on the risk.
We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.
Most employers with 10 or more employees are required to maintain injury and illness records, known as the 300 log. In the event of an inspection, this information will likely be requested. Even without injury or claim, the proper documentation should be readily available on a location by location basis. These logs are critical but simple to maintain.
Our market intelligence, prospecting database, and software can streamline your new business process. This listings contains: Policy Renewal DateCurrent CarrierPolicy NumberClass CodeSIC CodeEx MODLCMMultiple LocationsMulti StateCarrier TenureRevenueEmployeesContact EmailContact PhoneLinkedinWebsiteOSHABenefitsLoss CostFEINCoverage History
Our data provides an unparalleled view into the commercial insurance market across the US. Examples include:
We will utilize our unique insights into the business insurance market to find up to three appropriate carriers and agents, and will put them in contact with you to provide a quote.
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