And the fastest way to reduce your Workers Comp premiums??? - It is the reserve review. The reserves are the engine of the premium charging process by insurance carriers. I had written a post on this very subject a few weeks ago.

When is the critical date to start a reserve review - 9 months before the next policy date. Why start so many months ahead of time? Actually, you have only 3 months, not nine. Please note - almost all policies lock in their E-Mods 6 months before the policy.

No matter what policy provisions are in place, if the reserves on the files are wrong, you are paying dearly for Workers Compensation coverage.

Next Up - How do you effectively do a reserve review?

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