The experience modification factor, used to set workers' comp prices for decades, is being replaced by more precise, individualized measures.
Frank
Pennachio
Frank Pennachio
Frank Pennachio has more than 25 years of experience in the insurance industry as an agency owner and as a sales and marketing consultant to independent insurance agents and carriers. He has consulted with agency owners and trained thousands of agents over the past 15 years, encouraging them to develop niche expertise, including a “leading with workers’ compensation” strategy.