Art Communication Systems Inc

1340 N 17th St
Harrisburg, PA 17103

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 in-line with peers, in the 58th percentile.
  • 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 23rd percentile compared to peers.
  • In the last year, LCM Increased by 7%. While peers Increased an average of 1%.
Average

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.

  • 7% of peers have changed carriers since last year.
  • Of those who changed carriers, 21% decreased their LCM vs those who stayed with their current provider who saw a 1.8% increase, a difference of roughly 12x.
  • Current Carrier's market share is in the 75th percentile at 7.4% of the market.
Needs Attention

Business Stats

Policy History

Term Exp. Mod Carrier LCM
2022

1.215
(Current: 1.302)
2020

1.135
2020
12-01-2019

1.135
2019

1.036
2018

1.036
2017

1.036
2016

1.387
2015

1.387
2014

-
2013

-
2012

-
2011

-
2010

-
2009

-

Contacts

Broj T Eduz
President
(106) 525-0746
52b1

Industry Classification