Fall 2014

  • In our previous installment of Workplace Guardian, we introduced readers to the three Commissioners who make up the new Oklahoma Workers’ Compensation Commission (WCC).  In this continuation of that interview, we dive into a variety of topics relating to the WCC and the new law that created it.


  • How Oklahoma solves challenges from Texas nonsubscription.
  • This installment of Diligence Due addresses the Quarterly Advance question from the Spring ’14 Workplace Guardian (see complete version here):  What role does the experience modifier (e-mod) play in Texas nonsubscription and the new Oklahoma option?

    Sharon from El Paso, Texas, sent us the best answer:  “Formally, it serves no purpose.  But underwriters will take whatever information they can get if it helps them better price the risk!”

  • As of press time, we have six different insurance carriers offering Oklahoma option (OKO) products and 27 employers who have shifted from WC to the OKO.

    Nascent is still an appropriate adjective to describe this market, but by the next installment of Workplace Guardian, we expect to have even more carriers competing and over 100 employers who have made the jump.  By then, we hope to be using words such as budding, or promising, or even burgeoning to describe this novel system. 

  • In this edition of SuperScriber, we spotlight Consulting Services of Princeton LLC.  While CSP primarily works with carriers, MGAs, claims administrators and reinsurers in the occupational accident space, employers should take note of their audit and medical bill repricing services.

  • It is commonly thought that Texas nonsubscribers don’t have to do anything for their occupational accident programs. That’s not quite true. There are legal requirements that all nonsubscribers must fulfill.
  • Prose we pass along to our readers.