The business
State, annual payroll, and the work you actually do.
Workers' compensation
You are having trouble getting covered. This is where to start.
You may have been declined, non-renewed, have a difficult class of work, a high experience modification, or claims. You do not need to know which factor is responsible before you begin.
Market access is capability, not a promise. Nobody can guarantee a placement before seeing the account.
The problem
Being declined does not tell you what to fix.
A decline is an answer without a reason attached. The factors behind it are usually visible in your own figures and documents: the class of work, the experience modification, the loss history, and the size of the account.
- You were declined or non-renewed
- Your class of work is treated as difficult to place
- Your experience modification or claim history is the obstacle
Your starting point
Establish the account before approaching a market.
A submission is only as good as the facts behind it. Comp Check assembles the first of them.
The rating
Your experience modification now and the year before.
The documents
Declarations page with class codes and payroll per class, and loss runs.
The next decision
You find out whether this is an account the broker can work with.
The broker reviews it and tells you plainly whether he has a market for it. If he does not, he says so rather than leaving you waiting.
Run Comp Check