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In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss.
In July 2011, the NCCI announced a proposal
Your Experience Modification Factor can be explained as follows:
The mod is a ratio of actual losses to expected losses over a 3 year period
If your actual losses are more than expected, then your mod is over 1.0
If your actual losses are
Savvy, competitive business owners know disruption is a constant. No matter the industry, it's not a question of whether you must deal with disruptive forces — it's when.
For many major industries, the “when” is now — and it's
Set your vision beyond mere office space
Among the many reasons for a business to relocate, you might think square footage would be the leading catalyst.
Although that likely is at least a factor in most relocations, there can be other considerations
The Tax Cut and Jobs Act of 2017 (TCJA) brought a reduction in tax rates and significant changes to deductions for individuals and corporations in 2018, but its impact was not uniform. After the new law’s first full year, many were surprised to find