Originally presented on March 4, 2009
10:30 a.m. to Noon (Pacific)

Order Option       Price   CD Recording Only       $219

According to the San Francisco Business Times, as of November 2008, there were 60 filings by California insurers seeking pure premium workers' comp rate increases to go into effect on Jan. 1 on new or existing policies. Nearly half of these insurers, including the State Compensation Insurance Fund, asked for increases well above the five percent recommended by California Insurance Commissioner Steve Poizner.

While the insurers' proposed increases will generally be determined on a case-by-case basis, Poizner's proposed five percent bump is in effect now—and now's the time to get a handle on what future rate hikes could mean for your organization. With skyrocketing healthcare costs, rising premiums, and less money to boost your bottom line given the current economic climate, you can't afford to be in the dark on this important issue.

Join us on March 4 for an in-depth 90-minute audio conference all about what the rate hike means for your organization. Our experts—an experienced risk management consultant and an experienced insurance broker—will cover what to expect in the coming months and the preventative steps you can take to ward off the negative effects of workers' comp hikes.

You'll Learn:

• The workers' comp reforms that got us to this point and the anatomy of the rate hike
• How the hike will affect individual businesses, industry by industry—including who could be the hardest hit and who may be in the best shape to handle increases
• Whether the hike applies to new or existing policies (or both) and if there's any way to "lock in" lower premiums
• How to accurately compare rates among insurers to make sure you're getting the most bang for your buck
• Expected loss rates and understanding what determinative factors insurers assess when analyzing a "loss"
• What marketing softening in some areas means for employers and how volatility in premium pricing could spell future troubles for workers' comp reserves
• The preventive measures concerning safety and claims management you can set into motion today to save your organization money down the line
• The longer-term forecast for workers' comp premiums in California

About Your Speakers:

Cathy Divodi is a risk-management consultant for Artemis Claims Consulting, a Santa Rosa-based firm that specializes in helping employers reduce their workers' comp costs. Through her practice as a risk management consultant, Divodi assists clients in understanding the complex nature of the various laws within the claims system and managing risks. Divodi has past experience as an adjuster, litigator, and claims manager, she is also an reserve analysis and claims management. She is also certified by the state of California as a Self-Insured Claims Administrator.

Timothy Huether is the president of Danville-based Huether Insurance Agency, which he founded in 1997. He specializes in assisting clients with obtaining property casualty insurance for personal and commercial purposes, and he is the past president of the Independent Insurance Agents of Contra Costa County.

This program has been approved for 1.5 recertification credit hours toward PHR and SPHR recertification through the Human Resource Certification Institute (HRCI). This program is also a California-specific continuing education activity for PHR-CA and SPHR-CA recertification. For more information about certification or recertification, please visit the HRCI homepage at www.hrci.org. The use of this seal is not an endorsement by HRCI of the quality of the program. It means that this program has met HRCI's criteria to be pre-approved for recertification credit.

Bonus Offer

As an additional benefit, you will receive a no-risk trial subscription to California Employer Advisor when you register for this Audio Conference (or purchase a CD recording). You will receive 3 evaluation issues. If you want to continue to receive the newsletter, simply pay the invoice you will receive in the mail. If you decide the newsletter isn't for you, just write cancel on the invoice and return it. You will owe nothing, and all issues you receive are yours to keep. As with all ERI products, your satisfaction is guaranteed 100%. (Offer good for new subscribers only.)

How Do Audio Conferences Work?

An Audio Conference is remarkably cost-effective and convenient. You participate from your office using a regular telephone. You have no travel costs and no out-of-office time.

Plus, for one low price you can get as many people in your office to participate as you can fit around a speakerphone.

Because the conference is live, you can ask the speakers questions' either on the phone or via e-mail.

With your registration, you also receive conference materials with additional practical information from Employer Resource Institute sent to you via e-mail shortly before the conference.

Why You Can Sign Up To Attend This Event with Confidence

As with all Employer Resource Institute products, you're completely protected. If for any reason you are unsatisfied with this Audio Conference, simply let us know and we will return your entire registration fee.