STEWART INFORMATION SERVICES CORPORATION

1360 POST OAK BLVD., STE 100 M
HOUSTON, TX 77056

Talking Points

For the Agent

These are points that might help guide an agent as they look to approach a prospect.

  • Premium increase and carrier group change may indicate a claim occurrence.
  • Premium increased after the policy was bound. Did payroll jump for some reason or was a credit removed?
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 38th percentile.
  • In the last year, premium Increased by 12%. While peers Increased an average of 12%.
Average

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 63rd percentile.
  • 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 Higher than 93% of peers.
  • Shopping around for a carrier that would provide a more competative tier would make sense.
  • In the last year, LCM Increased by 172%. While peers Increased an average of 2%.
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.

  • 13% of peers have changed carriers since last year. Those who did, saw a 10.7% decrease in premium vs those who stayed with their current provider had a 15.1% increase.
  • Current Carrier's market share is in the 99th percentile at 18.1% of the market.
Good

Business Stats

Policy History

Term Carrier Premium LCM
2023
PEO
0.750
2023
PEO
-
2023
PEO
0.750
2023
PEO
1.000
2023
PEO
0.752
2022
PEO
1.224
2022

-
2022

1.340
2022

1.350
2022

1.630
2022

1.483
2022
PEO
1.340
2022

1.361
2022
PEO
1.340
2022

2.477
2022

1.320
2022

-
2022

1.152
2022

-
2022

-
2022

1.535
2022

-
2022

1.875
2022

1.130
2022

1.250
2022

1.441
2022

1.302
2022

1.148
2022

1.490
2022

1.280
2022

1.472
2021

1.340
2021

-
2021

1.630
2021

1.350
2021

1.483
2021

1.361
2021
PEO
1.340
2021

0.911
2021

1.320
2021

-
2021

1.152
2021

-
2021

-
2021

1.535
2021

-
2021

1.875
2021

1.250
2021

1.441
2021

1.302
2021

1.150
2021

1.148
2021

-
2021

1.280
2021

1.472
2020
PEO
-
2020

-
2020

-
2020

1.338
2020

1.350
2020

1.483
2020
PEO
1.338
2020

2.477
2020

0.998
2020

1.320
2020

-
2020

1.152
2020

1.330
2020

-
2020

-
2020

1.535
2020

1.875
2020

1.130
2020

1.250
2020

1.441
2020

1.302
2020

1.150
2020

1.148
2020

-
2020

1.472
2019

-
2019

2.506
2019
PEO
1.338
2019

0.917
2019

2.350
2019

-
2019

-
2019

1.764
2019

-
2019

1.603
2019

-
2019

1.290
2019

-
2019

-
2019

2.325
2019
12-31-2019

-
2019
12-31-2019

2.120
2019
12-31-2019

1.840
2019
12-31-2019

1.800
2018
PEO
1.338
2018

0.917
2017

-
2017

-
2017
07-01-2017
PEO
1.676
2017
07-01-2017

1.444
2016

1.444
2015

1.290

Contacts

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Industry Classification

Retirement Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 2,882,250 $ 8,353,602 $ 6,898,316 $ 4,115,721 $ 4,523,476 $ 1,922,214 $ 2,421,523 $ 575,419 $ 213,700 $ 429,237 $ 183,316 $ 707,328
Liabilities: $ 559 $ 7 $ 1 $ 8 $ 1 $ 9 $ 465 $ 1,170 $ 725 $ 7 $ 5 $ 12
EE Contrib: $ 196,682 $ 125,786 $ 542,580 $ 408,141 $ 831,384 $ 67,900 $ 779,363 $ 439,432 $ 51,009 $ 19,068 $ 31,147 $ 17,617
Emp Contrib: $ 41,290 $ 50 $ 79,069 $ 59,787 $ 23,471 $ 39,523 $ 75,950 $ 12,282 $ 60,069 $ 1 $ 4
Income/Loss: $ 512,867 $ 764,867 $ 180,172($ 96,838) $ 603,565 $ 355,066($ 81,941) $ 11,120 $ 20,757 $ 19,982($ 9,210) $ 81,615
Total Income: $ 750,839 $ 980,358 $ 138,626 $ 3,000 $ 602,977 $ 512,796 $ 15,084 $ 368,274 $ 46,700 $ 18,284 $ 39,965 $ 528,922
Paid Benefits: $ 44,409 $ 75,388 $ 60,076 $ 5,039 $ 68,870 $ 91,308 $ 60,702 $ 5,438 $ 3 $ 876 $ 6 $ 9,647
Expenses: $ 0 $ 1 $ 6 $ 0 $ 55 $ 0
  Commission: $ 1,022 $ 864 $ 459 $ 9 $ 614 $ 550 $ 776 $ 3,936 $ 8,866 $ 2,380
Net Income: $ 705,408 $ 897,655 $ 197,563 $ 94,894 $ 58,156 $ 14,932 $ 75,245 $ 651,960 $ 921,873 $ 63,332 $ 59,091 $ 58,236
Net Assets: $ 3,587,658 $ 8,716,937 $ 1,924,565 $ 5,167,687 $ 7,227,298 $ 4,566,935 $ 8,083,647 $ 3,341,826 $ 487,331 $ 820,050 $ 166,128 $ 710,467

Participants

202120202019201820172016201520142013201220112010
Total Participants:586869178256491069405565
Active Part.:540857351043518728a828
Retired Part.:9ae7a5e879055840584288
Deceased Part.:bab5083 1b4033 77af7

Insurance

No Insurance Coverage

Providers

No Providers

Features

    2E - Profit-sharing

    2J - Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.

    2K - Stock bonusCode section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contributions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.

    2F - ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.

    2G - Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.

    3D - Pre-approved pension plan - A master, prototype, or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

    3H - Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

    2T - Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

Health Benefits

Financials

202120202019201820172016201520142013201220112010
BOY Assets: $ 0 $ 72 $ 15 $ 686,389 $ 1,085,831 $ 6,136,206 $ 8,961,287 $ 8,972,254 $ 3,000,613 $ 6,542,799 $ 5,920,186
Liabilities: $ 0 $ 57 $ 2 $ 5,415,646 $ 6,005,405 $ 3,445,665 $ 6,750,766 $ 4,500,866 $ 7,633,307 $ 9,622,093 $ 5,067,200
EE Contrib: $ 0 $ 4 $ 6 $ 25,255,165 $ 25,683,569 $ 60,213,894 $ 35,457,582 $ 74,210,663 $ 33,026,233 $ 40,147,062 $ 79,264,910
Emp Contrib: $ 0 $ 635 $ 5 $ 21,094,452 $ 88,520,320 $ 24,946,006 $ 91,355,493 $ 66,058,549 $ 9,685,604 $ 96,404,255 $ 4,251,488
Income/Loss: $ 0 $ 71 $ 3 $ 3 $ 7 $ 2 $ 7 $ 5
Total Income: $ 0 $ 640 $ 9 $ 19,083,074 $ 19,493,703 $ 75,431,116 $ 46,634,725 $ 86,454,748 $ 75,430,372 $ 1,384,763 $ 24,680,400
Paid Benefits: $ 0 $ 6 $ 5 $ 53 $ 43,416,248 $ 40,385,321 $ 9,318,537 $ 93,115,339 $ 15,827,183 $ 28,518,171 $ 41,493,787 $ 68,699,568
Expenses: $ 0 $ 2 $ 3 $ 5 $ 1 $ 21 $ 5
  Commission: $ 0 $ 2 $ 5,339,470 $ 5,620,954 $ 4,442,523 $ 4,705,212 $ 107,302 $ 5,743,879 $ 8,596,371 $ 2,354,371
Net Income: $ 0 $ 5,656,515($ 3,141,049)($ 7,054,632) $ 9,244,114 $ 719,436($ 1,747,665)($ 608,254) $ 6,091,198
Net Assets: $ 0 $ 6 $ 1,687,255 $ 644,597 $ 4,751,515 $ 6,598,015 $ 7,534,066 $ 4,378,416 $ 3,110,207 $ 789,150

Participants

202120202019201820172016201520142013201220112010
Total Participants:521161811261839092943598186016434421237693786070
Active Part.:516755546358457014713441403351217390265678149282
Retired Part.:4431803177750473341635494e89
Deceased Part.:fe15e8406a1097a3d0135 8a 5

Insurance

EPPGRFX YGQFXYLX BIHA QGOOJHVRI HOAEPUV
Renewal:12-31-2021
Covered:5167
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 916,662
Commission0% $ 0
Fees1.95% $ 17,830
Brokers
HAZGMYZ NUVTRJRI YUDM CSLMDYYVV XLICIJV
Renewal:12-31-2021
Covered:1968
  1. Temp. Disability Insurance

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 428,937
Commission0% $ 0
Fees2.12% $ 9,087
Brokers
UJTVYH GWZAWLJ IVXN
Renewal:12-31-2021
Covered:3368
  1. Vision

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 540,293
Commission0.95% $ 5,149
Fees0% $ 0
Brokers
LSIRZIS ISDXQOGC KGPL CDSIGDBWM PATYQAR
Renewal:12-31-2021
Covered:5119
  1. Life Insurance
  2. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 1,576,684
Commission0.49% $ 7,706
Fees2.11% $ 33,200
Brokers
GFOVJZJHH UGQH VPG FBDQZTJP DZBJIGQUV CQBMXTZ
Renewal:12-31-2021
Covered:2
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 9,880
Commission24.92% $ 2,462
Fees0% $ 0
Brokers
KKQGH AQPOMK HGLVVVMSO HEGYSUY
Renewal:12-31-2021
Covered:7211
  1. Dental

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 2,542,993
Commission0% $ 0
Fees0% $ 0
EHUVWBCJ YXBDI IPBD OMS. IC. ND XCRUZWFFXO, HF
Renewal:12-31-2021
Covered:77
  1. ACCIDENTAL DEATH AND DISMEMBERMENT AND PARALYSIS BUSINESS TRAVEL ACCIDENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 0
Commission $ 0
Fees $ 0
ACFGNE LWPLTBGHVO YQDFGCDEY USSPMRR
Renewal:04-30-2021
Covered:2
  1. Life Insurance
  2. Long Term Disab. Ins
  3. ACCIDENTAL DEATH AND DISMEMBERMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 8,638
Commission0% $ 0
Fees0% $ 0
BWDUAAUWM EDPO BJQ NEYRQFJL DJKRVTEJL HFCTYVL
Renewal:12-31-2021
Covered:45
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 81,205
Commission17.3% $ 14,050
Fees0% $ 0
Brokers
VCJSEFAS MQCRBXJRWU
Renewal:12-31-2021
Covered:5145
  1. EMPLOYEE ASSISTANCE PROGRAM

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 47,411
Commission0% $ 0
Fees0% $ 0
UMVSTSUDS MPQQ YLS BBWVFTHD JFTMZTXRI RPCFTYC
Renewal:12-31-2021
Covered:4
  1. Long Term Disab. Ins

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 11,026
Commission17.31% $ 1,909
Fees0% $ 0
Brokers
CWLAAYYVZ AYIJ JEPDUFCIA DKYQQOA
Renewal:12-31-2021
Covered:2898
  1. Health
  2. CRITICAL ILLNESS, ACCIDENT AND HOSPITAL CONFINEMENT

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 1,091,392
Commission24.78% $ 270,440
Fees0% $ 0
Brokers
LMBHBPKYVWSD QLVE ABZKQHUGQ WDLPAFD
Renewal:12-31-2021
Covered:45
  1. Life Insurance

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 200,964
Commission3.62% $ 7,276
Fees0.21% $ 422
Brokers
DTNBVIJS CPCVNRFHJJ
Renewal:12-31-2021
Covered:5145
  1. LIVE WELL AT STEWART (HEALTH)

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 139,268
Commission0% $ 0
Fees0% $ 0
VPDQZGPBEOKMGNCM RICHMRBOR IQNWKPN
Renewal:12-31-2021
Covered:6
  1. Health

Retention: $ 0
Claims: $ 0
Loss Ratio:
Exp Rated Premium $ 0
Non-Exp Rated Premium: $ 91,367
Commission0% $ 0
Fees0% $ 0

Providers

No Providers

Features

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

    4B - Life insurance.

    4D - Dental.

    4E - Vision.

    4F - Temporary disability (accident and sickness).

    4H - Long-term disability.

    4L - Death benefits (include travel accident but not life insurance).

    4Q - Other.

Motor Carrier