Workers' Comp

Workers' compensation insurance covers employers in the event on-the-job injuries to their employees. Businesses with employees are required by various state laws to carry some type of workers' compensation insurance. In most cases, workers' compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries.

According to the Institude of WorkComp Professional 50 percent of experience modification ratings are wrong?





DIB provides the following workers' comp expertise:


  • Accurately project the experience rating factor before it is promulgated by the National Council on Compensation Insurance (NCCI)
  • Identify the loss free mod and calculate the controllable mod, thus showing how much money could be saved in premiums
  • Analyze losses to show what specific losses increases the mod
  • Better communicate the factors affecting the mod and illustrate the value of loss-control and loss-prevention services
  • Anticipate client concerns, such as a significant change in payroll or loss trends which may impact the mod for several years
  • Increase accuracy of cost-allocation and risk-management decisions
  • Forecast the mod for the next policy period
  • Compute and verify the accuracy of mods



About DIB

Our goal is to protect you, your company and future owners. As you know, it’s about coverage first then obtaining the most competitive costs in the marketplace. As your broker, we will negotiate the best coverage with competitive pricing by negotiating directly with the carriers or with our wholesale partners.

we believe that if our clients are successful and we help add value to your bottom line then we have accomplished my goal.  Read More...