David, you and your team really delivered results! After working with your team for just about a half a year, you dramatically improved the safety of our operation and very quickly reduced our injury frequency. Most importantly, you negotiated with our insurance company and took us from a 15% surcharge to a 15% credit... that’s a 30% drop in our rates!!! You gave us an almost $40,000 reduction in our premium!”

— Bob Mincin,  Mincin Insulation Services

Understanding Risk Profile Improvement

So, you want to reduce your premium?


Insurance is based on the principal of someone taking on your RISK in exchange for an amount of MONEY (also known as a premium). Agents may tell you it’s based on your sales, your payroll, or even how many vehicles you have, but that is only part of the equation… Those are only the  “exposures” as you will see below.


YOUR PREMIUM = Your Exposures x Rates x Credits/Surcharges/Modifiers


YOU control the exposures. The UNDERWRITER controls the rates that you pay. Guess what? The rates and credits used by an underwriter are not set in stone. Insurance company underwriter will use rates and credits based on what they perceive YOUR RISK to be.




Getting more agents to quote your insurance is not  going to achieve the premium reduction that you want. To really reduce your premium, you need make your company more attractive to insurance companies. To achieve this, you need to improve your Risk Profile.


Through our award-winning* Risk Profile Improvement ProcessTM, we will help you to identify, design and build a better profile, and thus, dramatically reduce your premium.


Learn what your Risk Profile is today!


Contact us now to schedule your FREE Risk Profile Assessment, and see how we may help you lower your expenses!

* - In 2008, David was named the Institute of WorkComp Professionals' Advisor of the Year award due to the results of his Risk Profile Improvement Process for his clients.

Get in Touch



David Leng, CWCA,


724-863-3420 x 3329



John M. Duncan, Jr


724-863-3420 x 3311