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.

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 41st percentile.

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.

• 34% of peers have changed carriers since last year. This might indicate carriers are competing aggresively for similar businesses to cover.
• Of the 34% of peers who changed carriers, This might indicate carriers are competing aggresively for similar businesses to cover.
• Current Carrier's market share is in the 75th percentile at 1.3% of the market.