Workers Compensation changes you should know about!

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The National Council on Compensation Insurance is making changes to their rating plan that will take effect for Michigan on January 1st, 2013.  These changes could have a significant effect on policy holders as the new calculation is applied to your policy.

The NCCI’s changes to the Experience Rating Plan relate to how your loss experience will effect your premiums.  Workers Compensation policies use a “split point” system to give heavier weight to the frequency of losses rather than severity.  In essence, losses have been capped to keep larger claims from impacting your premium.  This change will double the maximum loss value threshold for the impact of a single claim to your workers compensation policy and will work retroactively on your current history.

Due to inflation these adjustments to the threshold should have taken place every couple years but the NCCI has decided to make one significant change to make the correction.  The last time these factors were changed was 1991.

If your Workers Compensation policy has had any claims over the past 5 years you may see an increase to your premium.  Did your agent discuss the impacts that unmanaged claims have on your premiums?   If you would like to learn more about these changes and discuss the tools that you can use to avoid having them affect your business moving forward please contact us 248-853-0930.


“Your Future is Our Focus”

Contributed by Chris Beardslee

Allied Insurance Account Executive since 2010

Chris Beardslee highlighted by Industry Leading Publication

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One of our Producers was nominated for the honor of being profiled for a regular column highlighting top producers in Commercial Property and Casualty insurance from across the country.  The following link tells the story of our very own Chris Beardslee describing his path to insurance and what you can expect if you choose to work with him.


Property & Casualty 360 – Chris Beardslee Producer Profile


We hope you enjoy this article and look forward to having more members of the Allied Team highlighted in the future. is a resource where buyers and sellers to have access to breaking insurance news, industry research, compliance and legal updates, training and education, technology developments, data and trends, and more.   Since 1897, the magazine has been an essential and trusted resource for P&C professionals.



Michigan Mini Tort Benefits

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Michigan Mini Tort Benefits Increasing from $500 to $1,000

Recently Governor Rick Snyder signed Public Act 158 which made specific changes to the Michigan No-Fault auto coverage know as Mini-tort. The two major changes are:


1)       The Mini Tort coverage limit has been doubled from $500 to $1,000

2)       Uninsured vehicles are now disqualified from all coverage under the Mini Tort law


Mini Tort is your right after being involved in a collision where you are deemed to be less than 50 percent at fault to get some coverage out of an at-fault driver’s insurance policy.

There are three damages that are available for coverage in a mini-tort claim:


1)       Monetary damages;

2)       To repair or replace a motor vehicle; and

3)       Which is not covered by insurance


Accordingly, in order for a plaintiff to prevail in a mini-tort claim, he must establish five points:


1)       That he is the owner of a motor vehicle;

2)       Which was damaged by the negligence of the defendant;

3)       That such damage was repaired and/or that such damage caused the vehicle to be totaled;

4)       That all or a portion of the damage was uninsured; and

5)       That the plaintiff was not more than 50% at fault

For more information please refer to