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In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Kevin Ring, Lead Analyst at the Institute of WorkComp Professionals. Kevin discusses the latest NCCI updates and why understanding these changes is good for insurance agents and their clients.
Episode Highlights:
- Kevin mentions that NCCI has valuable resources on the recent changes in Workers’ Comp that can be accessed on their website. (5:32)
- Kevin discusses the importance of employers and employees knowing what to do in the event of an injury to ensure proper handling and mitigation, especially for businesses with low claim frequency. (12:38)
- Kevin believes that insurance companies are increasingly using AI instead of predictive modeling. However, the mod is still important in underwriting and pricing, as it shows how a business compares to others regarding claims and performance. (23:46)
- Kevin explains that the changes to the experience mod in the insurance industry are aimed at rebalancing the system and ensuring that businesses pay their fair share. (28:52)
- Kevin mentions that access to manuals, such as the NCCI manual, is crucial for accurately classifying clients and having informed conversations with underwriters. (36:15)
- Kevin discusses how improving a business’ mod can have a positive impact on other aspects of their business, such as productivity and profitability. (48:17)
Tweetable Quotes:
- “NCCI has some really strong resources specifically around this change. And one of the things that’s most impressive to me, right now around this is if you contrast how NCCI has communicated these changes with how they communicated, the split point change in 2013. It’s like a completely different organization.” – Kevin Ring
- “There’s a tremendous amount of value, in understanding the mod. And then in being able to communicate to business owners the steps that they can take to improve their mod, which will in turn, create a much better-functioning workers comp program, which should, in turn, create a more productive and profitable business.” – Kevin Ring
- “One thing that you at an agency can help your clients with is how to avoid losing good people because they get sucked into the worker’s comp system, and never come back to work and the easiest way to do that is to keep them from getting hurt in the first place.” – Kevin Ring
Resources Mentioned:
Kyle Houck
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