The workers' comp premium on the policy declarations is an estimate. The premium audit after the policy expires is where the real number gets set, and for many small and mid-sized commercial clients it is the most stressful part of the insurance year. An unexpected additional premium bill lands months after the term ended, the client calls the agency, and the account manager is trying to reconstruct payroll and subcontractor records that should have been collected before the auditor ...
A workers' comp renewal is the one conversation you are guaranteed to have with every commercial client every year. It is also the conversation most likely to go wrong quietly. The payroll estimate gets rolled forward from last year, the class codes stay the same because nobody asked what changed, the loss runs arrive two weeks before expiration, and the client finds out at audit, or at the next renewal, that the premium was built on a business that no longer exists.
This checklist ...
"We don't have any light duty work here." If you write workers' comp for contractors, plants, restaurants, home health agencies or trucking companies, you have heard that sentence. Sometimes it is true. More often it means the client has never sat down with a task list and asked which pieces of the job an injured employee could still do.
This article is for agents with industry-niche books. It shows how clients build modified-duty options from job task lists, then ...
A client hands you their return to work policy at renewal and asks, "Is this any good?" You are not their employment lawyer and you should not rewrite it. But you can read it with a trained eye, spot what is missing, and send the right questions to the right people. That is a real service, and it is one most commercial accounts never get from their agent.
This checklist is built for that review. It walks through what a written policy usually contains, gives you ...
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