Experience Rating Mod Explained
Understanding How Your Experience Rating Mod affects Workers’ Comp E-Mod Works (And How to Lower It)…
Author: Gordon Coyle
Gordon B. Coyle, CPCU, ARM, AMIM, PWCA, is the CEO of The Coyle Group and brings more than 40 years of experience in commercial insurance and risk management. He helps business owners evaluate risk, improve coverage clarity, and structure commercial insurance programs aligned with their operations. His expertise includes business insurance strategy, risk management, and complex coverages such as cyber liability, directors and officers liability, workers’ compensation, and industry-specific insurance solutions for growing companies across the United States.
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How does Workers’ Comp Insurance work?
So, how do workers comp, work? As I mentioned a minute ago, workers’ comp is a…
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EPLI Explained
EPLI Explained. Being an employer comes with risks and one of the biggest risks you have…
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Due Diligence: Strategic Coverage Audit
Best Insurance Due Diligence. Do you know if your business insurance is sufficient? Is it accurate?…
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Your Strategic Broker: How to Approach the Market
In this video and post, I’ll share with you the information your strategic insurance broker should…
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Commercial Insurance Specialist: Why One Broker Beats Multi-Bid Renewals
Are you approaching your business insurance renewal and dreading the shopping process? Or buying for the…
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Product Recall Insurance Explained
Quick Answer Product recall insurance covers the direct cost of pulling a defective or unsafe product…
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Difference Between E&O and D&O Insurance
If you’re a business owner confused about the difference between E&O and D&O insurance, you’re not…
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Reduce General Liability Costs – 5 Expert Strategies to Reduce Premiums
How do you reduce general liability costs without driving yourself nuts? In a minute I’m going…
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Inland Marine Insurance Explained!
Inland Marine Insurance. It’s a term you may have heard, or this type of coverage has…
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How To Compare Business Insurance Policies and Get A Good Deal
In this article, I’m going to answer the question of how can you compare business insurance…
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The FTX Meltdown – Is anything covered by insurance?
Good question. In this video and post, I’ll take a look at some of the issues…
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What Does General Liability Cost?
So, let’s start with the basics, What is General Liability Insurance? General Liability Insurance protects your…
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D&O Insurance for Startups – Do You Need It?
Quick Answer D&O insurance for startups protects your personal assets, your co-founders, and your board when…
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What Does Insurance for Small Business Cost?
Quick Answer Most small businesses pay about $500 to $2,000 per year for a general liability…
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Business Insurance Quotes – How to Make the Best Choice for your Business Insurance Quotes
You’re online, looking for business insurance. Literally, 200 million results come up in your Google Search…
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Experience Rating Modifier Changes in NY 2022
The New York Compensation Insurance Rating Board or NY CIRB has released a new formulation for…
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What is Fiduciary Liability Insurance? – Video
Fiduciary Liability Insurance: What Is It? Why Do You Need It? Operating a retirement plan for…
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Coinsurance in Commercial Property Insurance, What is it and Why?
The first thing I want to talk about is that many business owners really don’t understand…
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Wire Transfer Fraud Prevention
How to Stop Email-to-Wire Scams Before Money Leaves Your Account You didn’t hire a CFO to…
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Business Income Coverage Explained
Okay, business income, business interruption, loss of rent, and other names are similar coverages that are…
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Manufacturing Insurance Cost – What drives costs up?
“My small business insurance has increased 59% since 2022 with no claims.” “Anyone else think their…
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What Is Reputational Damage Coverage in a Cyber Policy?
Okay, let’s start off by saying that no two cyber policies are the same. There are…
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Waiver of Subrogation: What It Means and What to Do Before You Sign
Quick Answer A waiver of subrogation is a contract clause that stops your insurance company from…
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Overpaying for Business Insurance? How to Know & Fix It
Quick Answer If you feel like you are overpaying for business insurance, the fastest way to…
