Comments on: Why can’t I have a Workers Comp Insurance Deductible? http://www.coyoteblog.com/coyote_blog/2004/09/why_cant_i_have.html Dispatches from a Small Business Sun, 12 Feb 2012 09:39:47 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Dave McNeal http://www.coyoteblog.com/coyote_blog/2004/09/why_cant_i_have.html/comment-page-1#comment-6 Dave McNeal Wed, 20 Sep 2006 21:26:49 +0000 http://coyote-blog.com/wordpress/2004/09/why_cant_i_have.html#comment-6 <p>I have been going around in circle with a WC problem. I have a business is Fl that was started in 2005. I have been with a leasing company for the last 1.5 years. My company has never been reported to NCCI as a seperate business. I recently found an insurance agent that could write me my own WC policy. When figuring the premium for the policy he based it on the leasing companies experience MOD. I have talked with NCCI several times only to recieve conflicting opinions on how my new experience MOD will be calculated. I have been told that my experince MOD will be a 1 because of the lack of reporting time for my business. They have also told me my MOD will be based on the leasing companies MOD for the next two years because of the short time in business. The insuance company isnt sure what my MOD will become either. Although they believe it will become a 1 once reported. Need help.</p> I have been going around in circle with a WC problem. I have a business is Fl that was started in 2005. I have been with a leasing company for the last 1.5 years. My company has never been reported to NCCI as a seperate business. I recently found an insurance agent that could write me my own WC policy. When figuring the premium for the policy he based it on the leasing companies experience MOD. I have talked with NCCI several times only to recieve conflicting opinions on how my new experience MOD will be calculated. I have been told that my experince MOD will be a 1 because of the lack of reporting time for my business. They have also told me my MOD will be based on the leasing companies MOD for the next two years because of the short time in business. The insuance company isnt sure what my MOD will become either. Although they believe it will become a 1 once reported. Need help.

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