California Reader Question – Can J&L Premium Review Services Work Here?
A California reader had a great question. Is California a tougher state than other states for J&L premium review services?
We have heard this question often over the past five years. Fortunately, we have aided employers in recovering premiums from SCIF and have been able to reduce quite a few CA companies’ Workers Comp costs. The rules in CA are somewhat different than in most other states. I have noticed that quite a few of the rules from the WCIRB (Workers Compensation Insurance Rating Bureau) have been modified to be more like the NCCI. This was a good move by the WCIRB.
The main differences are the period that can be examined for overcharges, and that there was only one provider of Workers Comp insurance for many years. The latter made it very complicated to look elsewhere for Workers Comp insurance coverage. That has all changed with SB 899, which has finally enabled a semi-open market for Workers Comp insurance.
That being said, please look at one of my old posts on The Red Flags for Overcharges. This list applies to any state or group of states.
We have also heard the same question often from employers in these states:
- Ohio
- West Virginia
- New York
- North Dakota
- Wyoming
The bottom line is to not let the states that you are operating in dictate your insurance budgets.
Up Next – How Hallmark (r) Can Help Your Insurance Budget
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