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articles

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11/11/2015 · Insurance
Workers Comp Shock Audits: 5 Common Causes
By: Edward Priz
Employers generally realize that the initial premium they pay for Workers Compensation insurance isn't the final premium for that coverage-Workers Comp is normally subject to an audit after the policy ends, to adjust premium charges based on actual payroll amounts. When the policy starts, after all, payroll amounts can only be estimated for the coming year. So it's routine for employers of any size to undergo a Workers Compensation premium audit, and to receive an audit statement that often seeks some additional premium.
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Edward-Priz-Workers-Compensation-Insurance-Expert-Photo.jpg
8/20/2015 · Insurance
Experience Modifiers: A Flawed Benchmark For Safety
By: Edward Priz
A growing trend for many businesses has been for their customers and prospects to use their experience modification factor as a safety benchmark, requiring a modifier of 1.00 or 1.05 for those bidding on projects. A higher modifier can disqualify a firm from bidding on many projects, particularly governmental projects.
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Edward-Priz-Workers-Compensation-Insurance-Expert-Photo.jpg
7/10/2015 · Insurance
An Unregulated Workers Compensation Insurance Market Poses Problems
By: Edward Priz
Recently, a former Director of the Illinois Department of Insurance wrote an Op-Ed piece, decrying recently proposed legislation that would require insurers to file changes in Workers Compensation insurance rates with regulators before using those rates with insurers. The proposed legislation would also allow the Department of Insurance to disapprove rates if it was determined they were excessive.
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EMT: Basic Pearls of Wisdom (2nd ed.)
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