Insurance Why Annual Safety Training is Costing You Money: The Business Case for Behavioral Safety Programs 3 Jul 20253 Jul 2025 How Strategic Safety Training Transforms Workers' Compensation Costs and Insurance Premiums Every year, business leaders across industries invest thousands of dollars in comprehensive safety training programs, expecting to see measurable…
Captive Insurance… Why Your Experience Modifier Still Matters—Even in a Captive 30 Jun 202528 Jun 2025 In the world of group captive insurance, business owners are constantly told a comforting half-truth: "Your workers' compensation premiums are based on your actual losses—not your experience modifier." While technically…
Fleet Safety… Safety Isn’t About Rules: It’s About Behavior 30 May 202522 May 2025 Most businesses think safety is about rules, posters, and annual training sessions. But real safety—and real premium savings—comes from changing behavior. Traditional compliance-driven programs focus on OSHA checklists and hazard…
Fleet Safety… Fleet Telematics and CAB Reports: Your Secret Weapon for Lowering Auto Liability Premiums 27 May 202522 May 2025 Rising auto premiums are strangling fleet-dependent businesses. Most owners blame market conditions, but the real culprits are often hidden: your Central Analysis Bureau (CAB) report and how you use telematics…
Fleet Safety… Your Permanent Record: How Past Insurance Inspections and Submissions Haunt Your Premiums 23 May 202522 May 2025 Insurance companies never forget. Thanks to internal databases, archived inspection reports, and industry-wide digital records, underwriters can access your complete historical risk profile—even years after you've corrected course. That bad…
Fleet Safety… Maximum Probable Loss and Your Fleet: The Hidden Driver of Commercial Auto Premiums 9 May 20254 May 2025 Insurers use actuarial models and past loss data to estimate your MPL. But increasingly, they also consider how your company will be perceived if a catastrophic accident ends up in…
Insurance Maximum Probable Loss: The Insurance Metric You Must Control 7 May 20254 May 2025 You might think your clean loss history is enough to earn low property insurance premiums. It’s not. Increasingly, underwriters care more about your Maximum Probable Loss—the worst-case scenario of what…
Insurance Why “Just Getting Quotes” is now a Broken and Dangerous Insurance Strategy 5 May 20254 May 2025 Every year, thousands of businesses follow the same broken ritual: invite a handful of agents, collect a few quotes, and hope for lower premiums. But this outdated model wasn’t created…
Fleet Safety… The Hidden Data Insurers Are Using Against You 2 May 202528 Apr 2025 Insurance underwriting isn’t what it used to be. While many business owners still believe premium decisions are based on claims history and operations, the truth is far more complex—and far…
Fleet Safety… How Underwriters Judge You: The First Impression That Sets Your Premium 30 Apr 202528 Apr 2025 Imagine losing tens of thousands of dollars every year — not because of claims, but because of the first 30 minutes an underwriter spends researching your business. In today’s data-driven…
