WARNER ROBINSON LLC

2537 SW KRISTIN DR
LEES SUMMIT, MO 64082

Talking Points

For the Agent

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.
Needs Attention

Experience Mod Rating

Mod is an indication of how risky a company is to insure. It is based on a company's claim history.

  • Experience Mod is high. It is in the 84th percentile compared to peers.
  • Mod increased by more than 75% of peers.
Needs Attention

LCM Rate

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 27th percentile compared to peers.
  • In the last year, LCM Decreased by 56%. While peers Increased an average of 0%.
Good

Market Competitiveness

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.

  • 9% of peers have changed carriers since last year.
  • Of those who changed carriers, 8.9% decreased their LCM vs those who stayed with their current provider who saw a 1% increase, a difference of roughly 9x.
  • Current Carrier's market share is in the 99th percentile at 26.7% of the market.
Needs Attention

OSHA

Most employers with 10 or more employees are required to maintain injury and illness records, known as the 300 log. In the event of an inspection, this information will likely be requested. Even without injury or claim, the proper documentation should be readily available on a location by location basis. These logs are critical but simple to maintain.

  • Businesses with serious and/or repeat violations should be provided with risk management practices to eliminate unnecessary risk and minimize what must exist in current processes.
Needs Attention

Business Stats

Policy History

Term Carrier Premium LCM
2024

1.000
2023

-
2023

1.490
2023

1.650
2023

1.400
2023

1.410
2023

1.540
2023

-
2023

1.430
2023

1.580
2023

-
2023

-
2023

1.830
2023

1.700
2023

1.359
2023

1.510
2023

1.540
2023

1.780
2023

1.580
2023

1.411
2023

1.384
2023

1.430
2023

-
2023

0.862
2023

2.231
2023

2.241
2023

0.850
2023

1.198
2023

1.000
2023
03-02-2022

0.878
2022

1.730
2022

-
2022

1.490
2022
PEO
1.650
2022
PEO
1.650
2022

1.400
2022

1.410
2022

2.910
2022

1.800
2022

2.477
2022

1.072
2022

0.925
2022

2.111
2022

1.000
2022

0.975
2022

0.850
2022

-
2022

1.950
2022

2.510
2022

1.000
2022

1.000
2022

0.965
2022
PEO
1.540
2022
PEO
-
2022
PEO
1.432
2022
PEO
1.580
2022

-
2022
PEO
-
2022

1.830
2022

1.409
2022
PEO
1.700
2022

1.330
2022
PEO
1.359
2022
PEO
1.430
2022

1.540
2022
PEO
1.780
2022
PEO
1.580
2022
PEO
1.485
2022
PEO
1.414
2022

1.430
2022
PEO
1.580
2022

-
2022

0.900
2022

0.860
2022

-
2022
PEO
-
2022

2.351
2022
PEO
1.432
2022

-
2022

1.764
2022

2.523
2022

1.960
2022

2.322
2022
PEO
1.359
2022

1.800
2022
PEO
1.430
2022

1.282
2022

2.020
2022
PEO
1.780
2022

2.240
2022
PEO
1.410
2022

2.500
2022
PEO
1.414
2022

1.900
2022
02-17-2021

0.878
2021

-
2021

-
2021

1.490
2021

1.650
2021

-
2021

-
2021

2.910
2021

1.320
2021

1.800
2021

2.111
2021

2.510
2021

1.950
2021

2.477
2021

1.138
2021
PEO
1.414
2021

1.300
2021

-
2021

-
2021

1.450
2021
PEO
1.580
2021

-
2021
PEO
-
2021

1.600
2021

1.700
2021

1.330
2021
PEO
1.500
2021
PEO
1.430
2021

-
2021
PEO
-
2021
PEO
1.240
2021

1.550
2021
PEO
1.580
2021

1.485
2021
PEO
1.414
2021

1.430
2021
PEO
-
2021
PEO
0.960
2021

0.998
2021
PEO
1.580
2021

-
2021

2.350
2021

-
2021

1.764
2021

1.960
2021
PEO
1.500
2021

1.800
2021

2.020
2021
PEO
1.550
2021
PEO
1.485
2021

2.500
2021
PEO
1.414
2021
01-20-2021

-
2021
01-20-2021

1.160
2021
01-20-2021

1.148
2020

-
2020

-
2020

1.490
2020

-
2020

-
2020

-
2020

1.320
2020

2.477
2020

-
2020

1.950
2020

1.070
2020

1.148
2020

-
2020

1.343
2020

-
2020

-
2020

1.450
2020

1.580
2020

-
2020

1.600
2020

1.700
2020

1.330
2020

1.500
2020

1.430
2020

-
2020

-
2020

1.240
2020

1.550
2020

1.580
2020

-
2020

1.414
2020

1.430
2020
PEO
-
2020

-
2020

-
2020

1.960
2020

1.800
2020

2.020
2020

2.500
2019

-
2019

-
2019

1.490
2019

-
2019

-
2019

-
2019

-
2019

2.300
2019

1.603
2019

1.100
2019

-
2019

1.343
2019

1.500
2019

-
2019

1.580
2019

-
2019

1.600
2019

-
2019

1.400
2019

1.500
2019

1.430
2019

-
2019

1.240
2019

1.550
2019

1.580
2019

-
2019

1.450
2019

1.430
2019

-
2019

1.840
2019

1.800
2019

-
2019

2.325
2019
01-02-2019

1.148
2018

-
2018

-
2018

1.490
2018

-
2018

-
2018

1.603
2018

-
2018

-
2018

1.500
2018

-
2018

1.580
2018

-
2018

1.600
2018

-
2018

-
2018

1.500
2018

1.430
2018

-
2018

1.240
2018

-
2018

1.580
2018

-
2018

1.450
2018

1.430
2018

-
2018

2.218
2018

2.477
2017

-
2017

-
2017

1.490
2017

-
2017

-
2017

1.603
2017

-
2017

1.500
2017

1.580
2017

-
2017

1.500
2017

-
2017

1.240
2017

1.580
2017

1.480
2017

1.430
2017

1.400
2017

1.800
2017

2.062
2017

2.168
2016

-
2016

-
2016

1.490
2016

-
2016

-
2016

-
2016

1.580
2016

-
2016

1.500
2016

-
2016

1.240
2016

1.580
2016

1.490
2016

1.430
2016

1.160
2016

3.000
2016
12-01-2015

1.630
2015

-
2015

-
2015

1.490
2015