Cancellation*
Confirm the notice, effective date, reason, payment or audit history, and whether employees are still working. Cancellation and non-renewal are not the same event.
Recognize the issue
Different workers’ compensation problems need different clocks and questions.
Start with the event that brought you here. General information can help you prepare, but rules, notices, calculations, and available options may vary by state, bureau, carrier, and situation.
Non-renewal*
Identify why the carrier will not renew, when coverage ends, what has changed, and which alternatives your current agent has already explored.
High experience modification*
Understand the worksheet, verify the underlying information, and distinguish a bid or contract requirement from a need to replace coverage.
Claims history*
A useful account story explains what happened, why it happened, what changed, when corrective action occurred, and what evidence exists today.
Coverage gap or assigned risk*
Exact dates, operating activity, payroll, incidents, prior coverage, and the reason for the current placement help determine the next useful conversation.
Growth, new operations, or difficult work*
New states, rapid hiring, acquisitions, hazardous operations, subcontracting, or a new venture can change how the account should be prepared for review.
* Context matters.Rules, appetite, calculations, and available options may vary by state, bureau, carrier, operations, and current underwriting guidance. Confirm specifics with the applicable authority or an authorized insurance professional.
WHAT TO GATHER
Bring the facts that explain the situation
A first conversation is stronger with the current policy or program, notices, effective dates, business website, actual operations, states, employee and payroll context, experience-mod worksheet if relevant, and a concise description of what changed.
WHAT TO EXPECT
Use online information to prepare
The website can help identify questions and the next step. A licensed person will review the actual account details.
A human next step
Courtney Napier, CLCS, CIC
Senior Account Manager
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