1.
Have you ever reviewed the Phraseology, and Scope of
the classification code applied by your current and prior
insurance companies, to determine your workers' compensation
insurance premiums?
No
Yes
2.
Are you familiar with and do you have a competent
working knowledge of the workers' compensation and general
liability insurance manual rules that govern the determination
of your premiums?
No
Yes
3.
Do you annually obtain, critique, and keep copies of
the insurance auditors' work papers showing how your
insurance company arrived at their final workers'
compensation and general liability audit conclusions?
No
Yes
4.
Before asking you to pay, does your insurance agent ask
you if you critiqued the workers' compensation and general
liability insurance auditors work papers and final premium
calculations?
No
Yes
5.
Does your insurance agent ask the insurance company to
provide a complete answer when you have a question regarding
the determination of premium?
No
Yes
6.
Can you or your insurance agent... correctly answer in
four (4) words... what primary components are used to produce
your workers' compensation insurance experience rating
factor?
No
Yes
7.
If you were to call your insurance agent and ask them to fax
you copies of your last three or four workers' compensation
insurance experience rating factor calculations... within the
hour... would your insurance agent have copies in their
files to do that?
No
Yes
8.
When you arrange to meet with your workers'
compensation insurance company claim adjuster, is any one of
those meeting dates set for the specific purpose of preparing
your claim files for filing your Unit Stat Reports?
No
Yes
9.
Can you or your insurance agent calculate what future
workers' compensation insurance premium costs your business
will incur in the event of a claim?
No
Yes
10.
Does it surprise you that forty percent of all workers'
compensation and general liability insurance calculations are
produced in error, with most errors in favor of the insurance
company?
No
Yes
