J&L Risk Management Consultants

California Class Code Changes – WCIRB Webinar Today

JL Risk Management Consultants — Thu, 03 Sep 2026 17:52:05 +0000

September 1, 2026 California Class Code Changes – WCIRB Webinar I decided to view this WCIRB webinar on the Class Code Changes that went into effect this month. This one was a little more on the technical side than the previous article on NCCI reclassification of class codes. Instead of directly quoting from the webinar, […]

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2025 Most Reclassified Class Codes – Why Policies Matter

JL Risk Management Consultants — Thu, 03 Sep 2026 15:55:28 +0000

2025 Most Reclassified Class Codes – NCCI’s New List The most reclassified class codes can be found in the chart below. NCCI’s new list for 2025 shows that 8293 has risen to the top for reclassification. You can find the complete article here. By reviewing the report, you can: Go deeper into 5 of the […]

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Uninsured Subcontractors – What Options Do I Have?

JL Risk Management Consultants — Thu, 27 Aug 2026 17:50:13 +0000

Very Popular Question – Uninsured Subcontractors and Workers Comp One of the most popular questions that J&L Risk Management receives now involves uninsured subcontractors – usually a frantic call just before or after a Workers Comp premium auditor sends a company a letter that says they will need to provide the requested records. More frequently […]

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Workers Comp Reserving Insights From Great New NCCI Study

JL Risk Management Consultants — Thu, 27 Aug 2026 16:01:50 +0000

NCCI Study on Wage Levels and Medical Utilization Provides Workers Comp Reserving Insights Concise studies that can provide free Workers Comp reserving insights deserve a mention in this blog. NCCI recently released a study covering a few correlations to consider when setting Workers’ Comp reserves. The study summary can be found here. The study is […]

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60 Second Workers Comp Videos for Short Attention Spans

JL Risk Management Consultants — Thu, 20 Aug 2026 17:31:57 +0000

60 Second Workers Comp Videos – Fast Track With the average attention span reducing from 20 minutes to eight seconds, Workers Comp info providers need to “say it quickly.” As promised in the previous article on Experience Rating, let us cover where to find the quick and not-so-dirty info on Workers Comp in general. 60 […]

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Fixing Current Mods – Possible But Not Probable

JL Risk Management Consultants — Thu, 20 Aug 2026 14:49:32 +0000

The Process of Fixing Current Mods – Waiting Too Long to Begin Employer questions spike concerning the process of fixing current Mods. It is that time of year again. Most school years are starting. The long, hot summer will not be around much longer for most of the US. Insured employers receive their Experience Mods. […]

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Advisory Rates, Loss Cost Multipliers, I Am Confused

JL Risk Management Consultants — Thu, 13 Aug 2026 13:35:04 +0000

ChatGPT Question From Company Owner on Advisory Rates and Loss Cost Multipliers A business owner with a construction company in multiple states was reading through the J&L blog (thanks) and had a question about Advisory Rates, Loss Cost Multipliers, and other terms. She commented that so many terms are confusing to follow. BTW, the business […]

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CA Insurance Commissioner Approved Workers Comp Rate Increase

JL Risk Management Consultants — Thu, 13 Aug 2026 12:16:33 +0000

CA Insurance Commissioner Approved Workers Comp Rate Increase The CA Insurance Commissioner Approved Workers Comp Rate Increase a few weeks ago. The recommendation from the CA rating bureau, WCIRB would have sharply increased the advisory rate by over 12%. The Commissioner cut the recommended rate by 1/2. The final increase of advisory pure premium rates […]

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California Workers Comp Changes – Coming To Your State?

JL Risk Management Consultants — Thu, 06 Aug 2026 16:52:15 +0000

Recent California Workers Comp Changes – Do Not Ignore Them Whether you live in the Golden State or not, some of the recent Workers California Comp changes should not be ignored. Let’s cover two of those today. My attention was pointed towards a statistic presented at the 2025 NCCI Annual Insights Symposium. 12% rate increase […]

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What Is A Workers Compensation Small Deductible Plan?

JL Risk Management Consultants — Thu, 06 Aug 2026 15:16:22 +0000

Workers Compensation Small Deductible Plan – Worth It? A California employer emailed a question about a Workers Compensation small deductible plan recently. California small deductible plans do exist, as in many states. California’s WCIRB (Rating Bureau) published an advisory plan that you can download at this page. (Highly recommended) The California small deductible plan was […]

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NCCI Provides Free Info – Nice Injury Statistics To Use

JL Risk Management Consultants — Thu, 23 Jul 2026 21:01:55 +0000

NCCI Provides Free Info – Nationwide Injury Stats by State and Industry A recent article from NCCI provides free info for use by anyone who deals with the world of Workers Comp. This info can be found here. Another past article on the dashboard can be found here. The three industries that vary from the […]

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Workers Comp Certs – Old School Important Docs

JL Risk Management Consultants — Thu, 16 Jul 2026 14:46:21 +0000

Workers Comp Certs – Why Certificates of Insurance Are Still Critical The subject of Workers Comp certs is still important today, even in the age of AI. I was reminded of this when I called into the carrier that J&L uses for certain insurance coverages. Yes, I had to call as I could not update […]

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Workers Compensation Knowledge – Test Yours With 10 Questions

JL Risk Management Consultants — Thu, 16 Jul 2026 13:24:02 +0000

Workers Compensation Knowledge Quiz – 10 Questions +Bonus The new quiz will test your Workers Compensation knowledge. Some are easy. Some are difficult. I will answer them next week at the latest. Some of the answers can be found in previous articles on this website. A link will be provided for those articles. These random […]

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Insurance Integrity – One Easy Way to Keep Yours

JL Risk Management Consultants — Thu, 09 Jul 2026 16:52:51 +0000

Insurance Integrity – One Easy Way to Stand Out How does one establish and keep their insurance integrity? I have been asked during my four decades in the insurance industry about the one thing that causes trust from the start. The group that asked this question the most was the college interns (heavily recommended) who […]

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Workers Comp Claim Loss Runs – What They Don’t Tell You

JL Risk Management Consultants — Thu, 09 Jul 2026 15:29:11 +0000

Workers Comp Claim Loss Runs – Only Part of the Story I had quite a few discussions over the last few weeks on Workers Comp claim loss runs. My conclusion was that U needed to cover why relying solely on them to make a current risk assessment leaves out quite a large amount of info. […]

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NCCI AIS 2026 Podcast – Demographic Shifts vs. WC

JL Risk Management Consultants — Thu, 25 Jun 2026 16:04:14 +0000

NCCI AIS 2026 Podcast: How Demographic Shifts Are Impacting WC The NCCI AIS 2026 Podcast was released on June 23, 2026. Link is here for the podcast. When I attended the NCCI AIS last month, I suffered from info overload – in a good way. One of the sessions that I did not cover as […]

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2026 WCIRB Annual Conference – Important Info For CA

JL Risk Management Consultants — Thu, 25 Jun 2026 14:40:09 +0000

2026 WCIRB Annual Conference – Critical Info Provided This Year The 2026 WCIRB Annual Conference will provide critical information on July 16, 2026, at 9:00 AM Pacific Daylight Time. Watch the free three-hour conference by signing up here. Andrea Coleman, WCIRB President and CEO, announced at the 2026 NCCI Annual Conference a 12% across-the-board rate […]

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Two Line Claim Status – Make Sure To Request in Loss Runs

JL Risk Management Consultants — Thu, 18 Jun 2026 15:49:10 +0000

Loss Runs Two Line Claim Status – Make Sure To Request When we perform Claims Loss Run Analyses for clients, including broker/agents, one of the main re-requested pieces of information to enhance the loss runs is the two line claim status. Why would we as Workers Comp consultants want this what may seem innocuous information? […]

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E-Mods X-Mods Most Critical Two Weeks Happen Now

JL Risk Management Consultants — Thu, 18 Jun 2026 14:06:35 +0000

E-Mods X-Mods Most Critical Now – Let’s Look at Why Every year, E-Mods X-Mods reach a critical point, and this time is now. Why? E-Mods X-Mods tabulate on a calendar. If you miss the time to make sure that all Total Incurred on a claims loss run contains the correct numbers, you might end up […]

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CA Cumulative Trauma Claims – WCIRB Says Rate Increase Driver

JL Risk Management Consultants — Thu, 11 Jun 2026 20:15:59 +0000

CA Cumulative Trauma Claims – WCIRB Webinar Today CA cumulative trauma claims first appeared at the NCCI 2026 Symposium last month. Andrea Coleman, WCIRB – California’s Workers Comp rating bureau, pointed out the need for the 2025 sharp increase and then followed up with a 2026 heavy increase to the advisory rates. See the article […]

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