The other day, a producer sent me an email. In part, he said, “I've been selling workers' comp for years, but I really don't know very much about it. I now realize how critical it is to be an expert. Workers' comp is the linchpin to an employer's entire insurance account.”
Truer words were never spoken. Workers' comp is complex on the one hand, but perhaps more significant is the fact that its tentacles reach into the cracks and crevices of a company's entire insurance program.
Here's just one example that makes the point. Knowing what is happening with your clients' open claims is critical to keeping an employer's Experience Modification Factor (MOD) as low as possible, something that is not often given the serious attention that it deserves.
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