About Rocio

I've successfully returned over tens of millions of dollars of "would be" premiums back into the hands of numerous contractors throughout my career.

In California, where every employer is mandated to carry workers' compensation insurance, which causes a significant financial burden to Contractors regarding their annual premium, one of the most significant premium factors is a contractors calculation based on Experience Modification Rate otherwise known as "EMR" ($EMR%). It's a formula that considers the actual workers compensation loss experience (claims) of a company in contrast to the expected experience for a similar-sized company within the same industry.

The EMR, often referred to as the "xmod" or "experience mod", serves as a numerical gauge of a company's safety and risk management practices compared to industry averages.

For contractors, the EMR is a critical factor influencing their workers compensation premiums.

Understanding the intricacies of how your workers compensation is rated becomes imperative to the profitability of your company and the factor that may or may not justify increased premiums go forward.

My expertise is in lowering Contractors EMR's and bringing their premiums to rock-bottom.

ANNA SUN

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“ I must applaud the work that Rocio has achieved for our small construction company. We have been plagued by workers comp Cumulative Trauma cases that have raised our ex-mod rate exponentially. I had given up hope of anyone getting a better policy for us"

- Oak Tree Construction

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Rocio is an immense resource when it comes to Workers Comp and we are so lucky to have her on our corner. She is available at ungodly hours and is the first person we call when navigating the different challenges of Workers Comp.

-Edgar Mota Founder of MDRN Staffing

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Some insurance agents are pretty good at what they do. Some are even great. Then, there are those special few who who are so amazing at what they do that you know every single one of their clients happily admit they have the best insurance agent out there today. And that is indeed what Rocio's clients do and think!

Rocio works hard and she know what she's doing. Any business owner out there with a worker's compensation policy needs to have someone like Rocio (if not Rocio herself!) working on their claims, Ex Mod reduction, loss control, etc. Any business out there that does not have Rocio as their agent is likely paying more for their overall insurance costs than they could (should) be paying. And that's just the fact of the matter. Rocio knows how to reduce insurance costs for her clients!

If you're a business owner, do yourself a favor and contact Rocio right away. Your company's bottom-line will thank you!

Charles Specht

Protect Your Business

3 ways to get started together.

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1 Ex-Mod Analysis

10 Minute Free Call

Ex-Mod Anaylsis

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2

1:1 Calls

Not a client, and have a question on your audit or insurance?

Set a Call

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3

1:1 Call

Have a workers comp question? or another claims question related? This is call is made to be less than 10 minutes

Set a Call

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