b'- RCAInsuranre&Bonds - - -[L AR_ ~- NSURANCE& BONDS Workers\' Coinpensation Outlook By Jim Wilkerson, MRCA Insurance & Bonds Theworkers\'compensationcombined ratios at this level.tices to ensu you areg redoin all marketplace couldbe character Whatthese numbers foretellyouto prevent injuries.n, docanTheized as "soft" for the last severalfor the future?Al ready, the ibecome pro-active in claims mnsur anyears. Insurance companies haveancemarketplaceissh agement. Ask to be kept informed owing been willing to offer pricing levelssomeof firming of rates.Inon theof claims. signsstatusWork with that could not support losses andworkers\'compensation,under your insuran com n claims cepa y\'s expenses. This trend has not onlywriters arem more selec adju rreturn injured employbeco ingste to vo ent continued,butdeepened.Fortive on which risks recelve sched eestoworkearly.In lveminstance, theindustry-estlmateduleitsandpreferredr from man ment in claims acred ates.age nd combined ratio for workers\' com Thiskely meansincreaseloss prevention p off in fewer li aninays pensation was 1 percent inr r th aexita less expensive claim Th081996ates,atheranwholesalends.ese (combinedratioislossesplusby un fromworkers\'can be the difference in ma a derwritersint inexpenses; divided by prem .compensation. Suffice it tosay,ing control of your workers\' "Already, the insur ium)In 1997,industry estimateunderwriters are un tocompen tion costs. theder pressuresaance marketplace isforcom was adeliver better profitresultsforJim Wilkerson is ast workers\'pensationspeciali in combinedratio of115percent.their comp .construction insurance who works showing some signsaniesW leresultsfor19 arestillThe contracting in u with Mark Nauser, managerthe hi 98dustrysu of ofofs."developin estimatesaretoraa y feelstheeffects firstw MRCA Insurance and Bonds pfirmingrate g,ll hen inedingemore comb ratiothe ran ot 120- rates have been inadequate. As agram. Forinformation ab0~. 125 percent. E with extraord i roofing contr there are someMRCA Insurance and Bonds, call venactor, nary investment incomeresults,things youdo to p pare for a888/572-2461. canrefueled by aingmarket,tig workers\'compensation soar stockhter underwriters arem atmarket. Review your safety prac-losingoney 1999 Foundation Benefactors and Patrons The MR wishes to thank the following MR Foundation Benefactors,James C. Mansfield, James Mansfield & S Company, Lyon Ill. CACAonss, who pledged $5,000 to the foundation in998:Jay Re1ieuna, Mans Roofing and Sheet Metal, I L Ill. 1 fieldnc.,yons, David Grass, Fir ne B lding P tsm Carmel,Jim Gentry, K berg Roofing Inc., St Louesto ui roduc Co pany,Ind.ir is Mike Peterson, P s AluminumElk Grove Villag Ill.John D. Drew, Mid-West R Comp Mason C Iowa eter enCorp.,e,oofingany,ity, John D, Stephenson, Stephenson Roofing Company, T MRCA also exten its than to the followingion Patrons,Marylandts, Mo. hedsksFoundat Heighwho pledgedper year for the next five years to the MRCA Foun Kurt Baumgartner, Ma Roofing C ny,Wichita, Kan. $1,000rtinompa Inc., dation1 L.B. Morris, S &u R ing C n Kansas City,Mo. in998.ellersMarq isoof ompa y, ilsenoofin Com any,Wis.Jinom any, David J. Tilsen, T R gp Inc., Madison,Michael J. Dalsin, MDals C p Inc., Sioux Falls, S.D. Dennis R. Runyan, D Inc., C Rapids, IowaMichael Pettigrew, P rew &Inc., Fort Wayne, Ind. ryspaceedarettig Sons, Douglas Richardson, Sun C Roofs,Ted Evans, The M brandingWarren, ommercialInc. Dallasil Roof Company,Mich. Ed Williams, F R Company, Inc., F OhioRaymond L. Haselton, Union R g C Inc., C n Ill. remontoofingremont,oofin ompany,he oa, Harlan L.Hanson, Central States Roofing Company,IowaRobert F. Huntington, AAA R g C Inc., Indian lis, IAmes,oofin ompany,apo nd. James A.Barr, B Roo Comp ,e T James Brosseau, Bennett & B auIn R Ill. arrfingany Abil ne,exasrosse Roofingc.,omeoville, James Eckstein, Jr., CA E n., CincinnatiAnthony M. Spigarelli, C tral Roofing Com n Minneapolisl"\'ickstei Inc en pa y, James F. Karczewski, F J Aristian Roofing C .,lClifford Johnson, Empire Roofing & Insula Co.Tulsa, Okla. -Ch senorp Caro tionInc., am, Stre Ill. 8'