These are points that might help guide an agent as they look to approach a prospect.

• A break in policy terms may indicate inconsistent work load which can result in substandard employment.
• Increasing LCM and decreasing market share may indicate carrier is tightening underwriting guidelines and/or has written higher risk accounts that they are less willing to fight for.

LCMs have the largest effect on your WC costs. Carriers file LCM's which are multiplied with the state approved Loss Costs for your employment classifications to create your policy rates. Carrier Groups have several Carrier Tier's each with their own filing, allowing their underwriters to price aggressively to overly prudent depending on the risk.

• The LCM of the Current Carrier is Very Good, in the 33rd percentile compared to peers.

We measure relative change (when a business chooses a different WC provider), and market share distribution over a rolling 24 months as compared to it's industry and state level activity to determine how competitive carriers are for your class of business.

• 6% of peers have changed carriers since last year.
• Current Carrier's market share is in the 50th percentile at 1.4% of the market.