In today’s dynamic workplace, understanding the complexity of workers’ compensation premiums is essential for effective risk management. This presentation will dive into the key factors that influence premium costs with a specific focus on experience modification rating (EMR), a major multiplier in the premium cost equation. Attendees will gain insights into using EMR as a powerful leveraging tool to drive down premiums and how additional factors that affect premiums such as safety practices, employee training, and claims management can directly impact their organization’s financial outcomes. Join us to explore strategies that empower risk manager to take control of their workers compensation costs and foster a safer work environment.
Richard Dabney, Vice President of Corporate Underwriting at Texas Mutual Insurance Company, has 31 years of experience underwriting and managing the workers’ compensation line of business. He started his insurance career in Houston in 1990 with a broker that formed one of the first Workers' Comp Safety Groups with the newly formed Texas Workers’ Comp Insurance Fund, which he joined in 1993 as one of the first Underwriters. Since then, Richard has underwritten and managed the workers’ compensation line of business for American Home (AIG), Kemper, Seabright Insurance, American Equity Underwriters, and for the last 18 years, Texas Mutual Insurance Company.
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