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J&L Website Categories – What We Write About Most + Why


J&L Website Categories – Top 10 – Looking in The Mirror Today

Our Top 10 J&L website categories show an interesting mix of what we have written over the last 15+ years.   I decided to share them with our article and newsletter readers.  See the bottom of the article for bonus material.

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Earlier this month, J&L decided to bring in a consultant to make the website perform better.  We also wanted to increase our Google and Bing rankings. (who doesn’t?)

J&L Website Categories Logo

What The Mirror Says From The J&L Website Categories

I never stopped to look at the J&L Website categories in a few years.

The Top 10 ranked in order are:

  1. Definition – workers’ compensation is one of those acronym-laden industries and has very specific definitions.   We thought it would be a great service to readers if we provided a great resource for WC definitions.  Our website has always been free and accessible to any articles that we have written over the years.  One of my prior managers said – you are a numbers guy – sometimes you need to get back to basics.
  2. E-Mod X-Mod– With a degree in Actuarial Science, the Experience Modification Factors are always extremely important to me.  Reducing your claims Total Incurred values with the rating bureaus can reduce your Mods and premium payments greatly.  The Mods generate a huge amount of questions that J&L has received over the years.
  3. Premium audit – The premium audit at the end of the policy period has resulted in the most contact from agents and employers over the years.  Understanding or misunderstanding a premium audit generates so many questions to the point that most carriers have a webpage devoted primarily to this subject.
  4. California – with the largest economy in the nation, the Golden State has always been a major subject for this website.  I coined the saying “What happens in California may be coming to your state soon.” The state seems to lead the rest of the nation in many Work Comp concepts – subcontractors for example.
  5. WCRI Annual Conference – Andy and the group at the Workers Comp Research Institute out of Boston, MA have invited me to cover their conference for well over 10 years. The uninfluenced advice they have produced has been priceless for the Workers Comp industry.  I try to cover every session in full for the two days of the conference.
  6. NCCI – The National Council on Compensation Insurance covers the issuance of Experience Mods for over 40 states and counting.  The Council provides so much info in its educational section that I recommend its website very often when I receive questions on certain issues.  Check out their one-minute videos on WC.  NCCI used to be somewhat difficult to contact concerning info on their website.  Cristine Pike is a great contact for me now.
  7. Self-Insurance –  Many of my contacts and clients in the Workers Comp industry tell me that I do not write enough articles on self-insurance.  I am going to email them a link to this article.  They are ranked 7th.  Self-insureds drive a portion of the market that sometimes goes under the radar in this industry.
  8. Classification Code – class codes generate so many questions from all the players in Workers Comp.  The confusion on classification codes by insureds causes many incoming emotional emails on this subject.  I have one now sitting in my inbox from an agent out of Connecticut with a high level of frustration with one of his client insureds’ reclassifications after an inspection by the rating bureau.  The last article that I wrote before this one covered a court decision on class codes – always a hot topic.
  9. WCIRB – California’s workers’ compensation rating bureau – see NCCI and California in the above list.  Their website makes locating info on CA very easy.  Their class codes have become more aligned with NCCI over the last decade.   They remain one of the most helpful organizations that I contact.  I miss their in-person conferences.
  10. Claims Adjuster – last, but not least is the group that is near and dear to my heart.  I started back in the “horse and buggy” days as a claims trainee and worked my way up the claims ladder to Director of Risk Management.   One of the thankless but off-the-scale important jobs that are often overlooked by many.  Who controls your self-insurance budget or E-Mod/X-Mod more than anyone ?- the adjuster’s Total Incurred control.


I do not know what the #11 one is at this point. My website analyzer only provided the top 10 J&L website categories.


I promised you a bonus at the beginning of the article on the J&L website categories.  If you click the underlined heading in each number, you will be taken to a search for that topic.  If you are researching for an article or speech, always feel free to use any of the free material provided.  You may want to check out this article on how to use the website when searching for articles in the above J&L website categories or others.   I always just ask for a backlink if you decide to use any of the information.

If you want any articles written on any subjects outside of the above J&L website categories, just drop a note in the comments or use the Contact Us page to email me.   This website seems to always be Under Construction like most websites.



James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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