Independent Insurance Agent and Risk Manager
Licensed in PA, NJ, NY, MD, DC, DE, ME, NC, TN, TX, VA, WV | Pay Now

Experience Modification Factor Myths and Facts


MYTH #1 Insureds in a high risk class of business will always have a high mod. FACT #1 Most top markets offer loss control services, which help reduce the frequency and severity of claims for any class of business. MYTH #2 All carriers would handle the same claim the same way. FACT #2 Some carriers […]




Do you really understand group long-term disability?


Most Americans do not have disability insurance in their employee benefit package, but those who do may have a false sense of security. When approached about disability insurance, many are quick to say: “I have disability insurance coverage at work.” Have you ever really done an examination of just what your benefit might look like? Question […]




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