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WCIRB ‘s New Mod Formula Hefty Effects Small California Employers

WCIRB ‘s New Mod Formula – Small Employers Must Enact Safety Programs Now WCRIB’s new mod formula will heavy affect small employers with a less than stellar safety record. Last Friday, I briefly covered California’s WCIRB and the change in the X-Mod Calculation effective 1/1/2013.   I thought I would

California Employer Question On Experience Modification Factor (XMod)

California Employer Question A California employer emailed in this question last weekend.  “We are a medium-sized employer (dry cleaner) in central California.   Our Experience Modification Factor increased significantly over the last few years.  The increase seems to have resulted in our Workers Comp premiums rising  significantly.   What is

Primary Loss – How Much Is It Recent NCCI WCIRB Rule Changes

Primary Loss – Term Of The Day The primary loss part of a claim is one of the most important terms involving the premiums your company pays for Workers Comp insurance. It is the part of any loss that weighs very heavily on your E-Mod or X-Mod. In almost all

Split Points – There Is No Such Thing As Small Claim – Part III

Split Points – A Small Claim – Part III  Split points represent the line between as the Primary and Excess Loss parts of a claim.  Well, we have covered how a small claim is not really such a tiny claim after all. The one thing that we often see in workers

Small Workers Comp Claim Does Not Exist – Risk Is Risk

A Small Workers Comp Claim Is Still Expensive The term small workers comp claim is such a nefarious item.   I have heard that term often over the past 27 years.  The term should be a smaller part of the risk of a larger loss.   Please note this is an older post

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