Five Most Popular 2026 Workers Comp Questions – So Far This Year
Let us open our question mailbag and see what the 2026 Workers Comp question was that came in the most from the blog and newsletter readers, and people who found our website on the internet.
Key Takeaways
Top Five 2026 Workers Comp questions covered AI and WC as the top question.
The other four were more of the same questions as in previous years. That is OK, as the questions show consistency over time.
The 2926 Workers Comp questions are not in order, other than being in the group of the top five, except for the AI question that we all could have expected. The questions were generalized enough to cover most of the States.
Questions from Readers and Searches
- What is or will be the effect of AI on Workers Comp? Positive or Negative? My answer may seem too generic. We will have to wait and see as the insurance industry, with Workers Comp as a niche, has begun early adoption. I think the assumption that 80% of insurance personnel will not be needed in the future just does not make sense. Insurance is a people-driven business. Check out this study on how AI affects jobs overall. Surprising info.
- Did any COVID-19 claims go into my E-Mod calculation? No, they did not. NCCI and the rest of the rating bureaus deemed them a Catastrophe. Catastrophe claims do not show up on your E-Mod sheets. The claims may show up on your claims loss runs.
- Our Mod just went over 1,0 and we are a service contractor. Is that going to affect our company? Yes, if your company performs mainly as a subcontractor, many public risk managers will eliminate your RFP bid due to your E-Mod. Private company risk managers have followed suit – 1.01 and higher may have your company removed from bidding.
- Our premium audit was finished by the insurance carrier. We do not agree with the results. Do we just need to pay it? You have the distinct right to dispute your premium audit within certain time limits – usually three years from the end of the policy period. One main consideration is not to dispute an audit without some type of backing evidence. Do not just refuse to pay because the premium audit bill looks high. That will ruin the relationship between your company, the agent, and the insurance carrier.
- Why do you never write articles on self-insureds? That is a fair question. Sometimes I do forget to cover self-insurance, even though I have worked in the self-insured claims environment for most of my career. J&L has many self-insured clients today. I promise to write more. One thing that would help is sending me self-insured questions to answer with an article. So far, no self-insureds have sent me any 2026 Workers Comp questions. Check out the list of self-insured articles on this blog.
