DENBOW CO INC

2780 W HIGHWAY 290, STE A
DRIPPING SPRINGS, TX 78620

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

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 in-line with peers, in the 32nd percentile.
Good

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 13th percentile compared to peers.
  • LCM Decreased by more than 75% of 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.

  • 16% of peers have changed carriers since last year.
  • Current Carrier's market share is in the 75th percentile at 6.4% of the market.
Average

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
2023

1.200
2023

1.407
2023

1.407
2023

1.407
2022

1.693
2022

1.950
2022

1.407
2022

1.950
2022

1.585
2022

1.490
2022

1.490
2022
02-01-2022

1.490
2021

1.693
2021

1.960
2021

1.490
2021

1.751
2021

1.196
2021

1.707
2021

1.490
2021

1.490
2020

1.693
2020

1.960
2020

1.490
2020

1.751
2020

1.490
2020

1.736
2020

1.196
2020

1.645
2020

1.520
2019

1.693
2019

1.736
2019

1.520
2019

1.583
2019

1.736
2019

1.520
2018

1.583
2018

1.678
2018

-
2017

1.919
2017
02-16-2017

-
2016

-
2015

2.575
2015

-
2014

-
2014

-

Contacts

Mhavw Rfnvft
Owner
(441) 280-1541
7693

Industry Classification

Health Benefits

Financials

2021202020192018
BOY Assets: $ 0 $ 7
Liabilities: $ 0 $ 0
EE Contrib: $ 0
Emp Contrib: $ 0 $ 514 $ 3 $ 4
Income/Loss: $ 0 $ 3 $ 5 $ 45
Total Income: $ 0 $ 78 $ 35
Paid Benefits: $ 0 $ 8
Expenses: $ 0 $ 55 $ 4
  Commission: $ 0 $ 78 $ 84 $ 88
Net Income: $ 0 $ 1
Net Assets: $ 0 $ 59 $ 5 $ 3

Participants

2021202020192018
Total Participants:289643626305
Active Part.:289186766485
Retired Part.: 22c540
Deceased Part.:c71d15

Insurance

HRSHX MHYG DKUGZZOCA UJ.
Renewal:12-31-2021
Covered:289
  1. Health

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 1,112,380
Commission1.71% $ 19,020
Fees0% $ 0
Brokers
CPRNXJEAO FRMR FMQPCUGFY DAZHXOV
Renewal:12-31-2021
Covered:146
  1. Dental
  2. Vision

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 76,402
Commission10.42% $ 7,962
Fees0.1% $ 73
Brokers
EYOA TGKJ MVTZFMWUO PWMPVSH TY SCUEJBC
Renewal:12-31-2021
Covered:41
  1. Life Insurance
  2. AD&D

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 12,356
Commission15% $ 1,854
Fees0.42% $ 52
Brokers

Providers

B L X & V RE
614 CAPITAL OF TEXAS HIGHWAY S
AUSTIN, TX 78746
Insurance agents and brokers
Compensation:$34,810
Relation:BROKER
KXFONIKTIPQA JAFFGHTMC PCFKDX
11700 KATY FREEWAY
HOUSTON, TX 77079
Insurance agents and brokers
Compensation:$17,465
Relation:BROKER

Features

    4A - Health (other than vision or dental).

    4B - Life insurance.

    4D - Dental.

    4E - Vision.

    4Q - Other.


OSHA

Motor Carrier