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  • articlesSplit Point Experience Rating Formula Explained

    In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss. In July 2011, the NCCI announced a proposal

  • articlesExperience Modification Factor Explained

    Your Experience Modification Factor can be explained as follows: The mod is a ratio of actual losses to expected losses over a 3 year period If your actual losses are more than expected, then your mod is over 1.0 If your actual losses are

  • articlesDealing with Disruption Takes Muscle

    Savvy, competitive business owners know disruption is a constant. No matter the industry, it's not a question of whether you must deal with disruptive forces — it's when. For many major industries, the “when” is now — and it's

  • articlesThinking of Relocating Your Business?

    Set your vision beyond mere office space Among the many reasons for a business to relocate, you might think square footage would be the leading catalyst. Although that likely is at least a factor in most relocations, there can be other considerations

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