Your Workers Comp Policy Renewal Dates vs. E-Mod
If your Workers Comp policy renewal date occurs on 1/1/09, what can you do about your Workers Comp E-Mod? That answer is nothing at all.
I have found that quite a few insurance carriers will do claim reviews in the months of November and December to impress the policyholders. With a policy renewal date of 1/1/09, they are wasting your time.

Why can you do nothing even though the new policy has not started yet? I have covered this answer very often. The Workers Comp system is staggered. The Workers Comp reserve and Experience Modification system do not operate in-step. We often advise clients to concentrate on working with their agents during the last two months of the policy. The claim reserves can wait. Why?
Check back in next time and I will explain. If you know the answer, please email me and let me know the answer. If you use the search box on this blog, you can find the answer.
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