ACLSA LLC

981 ISOM RD
SAN ANTONIO, TX 78216

Talking Points

Premium

Worker's Comp premium is based on two key factors - the LCM your carrier has filed to use, and the total payroll you run over the policy term, which is multiplied by the rate to determine premium. Comparing premium to businesses in the same industry and of similar size can indicate how fair your WC insurance provider's costs are relative to the market.

  • Premium is Higher than 91% 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 Higher than 86% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
  • 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.

  • 16% of peers have changed carriers since last year.
  • Of those who changed carriers, 3.4% decreased their LCM vs those who stayed with their current provider who saw a 0.3% increase, a difference of roughly 10x.
  • Current Carrier's market share is in the 99th percentile at 23.5% of the market.
Needs Attention

Business Stats

Policy History

Term Carrier Premium LCM
2023

2.045
2022

2.000
2021

1.750
2020

1.750
2019

1.820
2018

1.820
2017
10-02-2016

1.820

Contacts

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(431) 020-1176
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Industry Classification

Motor Carrier