Keystone Communications Service, LLC

463 Duke St
Northumberland, PA 17857

Talking Points

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 very good. It is in the 7th percentile compared to peers.
  • There was a recent mod increase.
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 6th percentile compared to peers.
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.

  • 10% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 75th percentile at 7.3% of the market.
Good

Business Stats

Policy History

Term Exp. Mod Carrier LCM
2023

1.075
2022

1.075
2021

1.035
2020

1.035
2019

1.035
2018

1.750
2017

1.800
2016

1.800
2015

1.620
2014

-
2013

-
2013
01-01-2012

-
2012

-
2011

-
2010

-
2009

-

Contacts

Vayxo K Avnoshnp
Owner
(850) 985-4399
414

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Industry Classification