July 2010
In This Issue
Understanding your Experience Mod
Summer Safety
Referral Rewards
   
Insurance
 
Property 
 
 
General Liability 
 
 
Professional Liability 
 
Directors & Officers Liability 
 
Automobile 
 
Workers Comp 
 
Umbrella 
 
Home 
 
Auto 
 
Recreational Vehicles 
 
Bonds 
 
Life & Disability
 
 
Group Health
 
 
401K 
 
Investment & Retirement Planning
 
 
 
 
  
Risk Management Services
 
My Wave
 
 
 CompClaims Online
 
Disaster Planning
 
Safety Procedures
 
Safety Program Planning
 
Web Based Safety Training
 
Pre-employment Screening
 
OSHA Compliance
 
 
Quick Links
 
EMA Website
 
OSHA Website
 
CDC Website
Are your insurance quotes really just quotes? Do you understand your Experience Modification and how it effects your Workers Comp premium? 
 
 
When I got into the insurance business, I had no intention of "quoting". I looked at all the lines of coverage and then when I looked at the reality of the situation, I realized that insurance quotes were just that in the eyes of the consumer. As we know they are not just quotes. We know that they are programs with multiple factors. At EMA, we know we offer more than just a quote. Unfortunately, the client and insurance buying public still see it as a quote; a commodity.
 
We all know that with Workers' Compensation you have history and you have data going back four years. This history and data generate a factor called your Experience Modification. If you really crack the code and figure out how these things work with the Experience Mod and look through the loss runs and be aggressive with the unit statistical filing period, you can find that this premium bearing factor is not an arbitrary number. It is not smoke and mirrors! At EMA, we can actually show a prospect/client where their previous broker, or the state compensation fund, may have overlooked something and then tie a dollar amount to that factor to reduce costs. This approach works - and it works immediately. We can show a comparison of where you were, here's what happened and here's what we would have done to reduce your costs if we were your broker. Now you're dealing with real numbers instead of the promises that unfortunately go along with the other lines of coverage you are typically sold.
 
I believe we are one of the few brokers who can tell any prospect/client what every single number on their Experience Mod worksheet means and make them feel comfortable knowing their factors and cost are being properly managed.
 
Contact your EMA representative for a free Experience Mod analysis and watch your Workers Compensation premium begin to decrease today.....
 
Safety doesn't take a holiday - enjoy your summer safely! 
 
Trip and Fall
 
 Reduce tripping and falling hazards
 
  • As little as a quarter of an inch rise in a pathway is enough for someone to trip on. Check the walkways around your home for  broken tiles, upturned edges.  
  • If your floors or walkways have slippery surfaces, consider ways to make them safer.  
  • Keep walkways clear of litter - a child's toy, a ball or a paper wrapper can all cause a fall.  
  • Clean up spills immediately.  
  • Make sure you have handrails where you need them.
 
Fire 
  

 Don't start an unintended fire when cooking outdoors  

   
  • Cook in an open area with plenty of ventilation.
  • Keep small children safely away from hot grills or open fires.
  • Have a fire extinguisher handy.
  • Do not leave your grill unattended.  
  • Wear suitable splash-protective clothing and shoes.
 
Bicycle 
 
Rules of the road apply to bicycles
   
  • Give your bicycle a safety check. See your brakes are working and that reflectors are in place.
  • Always wear a helmet - every year, riders suffer severe concussions when falling off bicycles.
  • Wear bright-colored clothing that helps motorist see you.
  • Turn on lights when cycling at night.
  • Obey all the rules of the road, and watch out for motorists. In a collision with one - you'll lose.
 
 Hiking
 
Five tips to help you enjoy walking, hiking or exploring safely  
 
  • Tell someone where you are going.       
  • Take plenty of water. You won't die of starvation on a one day hike, but you could be overcome by heat exhaustion.       
  • Wear suitable clothing: strong walking shoes or boots, a sun hat and protective gear for rain or unseasonably cool weather.       
  • Stay together and make sure you have a good map of the route.       
  • Those rocky crags need specialized equipment. Don't think you can easily scramble up them. Many people die every year by falling off rocks and cliffs.
 
 swimming
Rules can help you to enjoy your
swim safely 
  
  • Never swim alone, know your limitations and obey the life guard's instructions.
  • Choose a recognized swimming area that is supervised by a life guard, particularly when swimming in the sea where the undertow can catch you unaware.  
  • When swimming in the surf, look at the water conditions before entering the water even if a life guard is on duty.  
  • Keep a very close watch on young children in or near the water.  
  • Never dive into water head first or jump in unless you have checked the depth and are confident that there are no under-water obstacles.  
  • Dry ears gently after swimming, especially in untreated water such as a lake or river, to avoid painful fungus or bacterial infection.  
  • Don't forget the sun. Wear a sun hat and apply a suitable sun screen. Maintain fluid levels and be alert to symptoms of heat stress.
Remember, We Are Always Looking for Referrals!

We will send you a small Thank You gift for each referral we receive. 

If we are not quoting your health insurance, you are paying too much.
 
We can save your business on average 20% to 40%.
 
Please call to find out exciting new details.
(586) 778-9900