Laurel Highland Total Communications Inc

101 Laurel Highlands PL
Donegal, PA 15628

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 high. It is in the 81st percentile compared to peers.
  • Mod decreased 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 in-line with peers, in the 52nd percentile.
  • LCM Increased by more than 75% of peers.
Needs Attention

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, 1.1% increased their LCM vs those who stayed with their current provider who saw a 1.8% increase.
  • Current Carrier's market share is in the 99th percentile at 16.5% of the market.
Good

Business Stats

Policy History

Term Exp. Mod Carrier LCM
2023

1.881
2022

1.693
2021

1.359
2020

1.359
2019

1.359
2018

1.359
2017

1.359
2016

1.359
2016
01-01-2015

1.960
2015

1.504
2015
09-01-2014

1.632
2014

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2014
01-01-2014

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2014
09-02-2014

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2013

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2013

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2013

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2012

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2012

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2012

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2011

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2011

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2011

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2010

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2010

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2010

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2009

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2009

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2009

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Contacts

Xbo Vlxj
President
(648) 567-6960
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Industry Classification