Drew Garcia

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Using Rancho Mesa’s KPI Dashboard to Improve Your Workers’ Compensation Program

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

Landscape business leaders can now provide their management team with resources to better support their workers’ compensation program. Rancho Mesa offers its landscape, lawn care and tree care customers an industry specific Workers’ Compensation Key Performance Indicator (KPI) that can be used to help benchmark a company’s experience modification rate (i.e., Ex-Mod, Experience Mod), and the underlying performance trends that can help stakeholders stay informed.

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Focus on Frequency with a Small Work Comp Deductible

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

Economies of scale create leverage for landscape businesses as they grow. The Bureau of Labor Statistics (BLS) 2022 table of incident rates notes that the landscape industry has an incident rate of 3.4 per 100 full time employees. Landscape is classified by BLS under Administrative and Support and Waste Management and Remediation Services; this sub class has an incident rate of 1.9. The average for all other industries is 3.0.

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Optimizing Landscapers’ Commercial Auto Insurance

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

Lawn and landscape professionals across the country have seen the direct impact of a very difficult and challenging commercial auto market.  In particular, green industry businesses who specialize in service and maintenance, which require a larger fleet, have felt more of the direct market pressure.

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Developing A Strong Subcontract Agreement with Tree Care Partners

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

Having strong service partners that support your customers outside of your core operations is an important part of business. Many commercial landscape businesses have regional relationships with professional tree care companies to support the needs of their customers.

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Take Your Safety Program to the Next Level through Leading Indicators

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

When it comes to measuring safety, most green industry (i.e., lawn, landscape, and tree care) businesses rely on OSHA rates, the experience modification, and, if you’re a Rancho Mesa customer, your Safety KPI Dashboard. This data is important; however, it only captures lagging information. Take your safety program to the next level by measuring predictive, preventive, and proactive - leading indicators.

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Maximize Your KPI Dashboard Insight

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

Three years ago, Rancho Mesa launched our proprietary safety KPI dashboard, consolidating experience mod and industry benchmarking reports to one working document. As a Rancho Mesa customer, you can now maximize the benefit of your safety KPI dashboard by completing our baseline training which will challenge the stakeholders in your organization to understand the key concepts this document delivers.

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Closing the Installation Floater Coverage Gap for Landscape Contractors

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

Landscape contractors have varying levels of exposure when it comes to installation projects. However, they virtually all share the same common coverage gap for trees, plants, shrubs, and lawns. 

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One Easy Step Can Improve Your Equipment Theft Prevention Program

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

A piece of heavy equipment like a skid steer, backhoe, or excavator can be a vital tool for a landscape company and is expensive to replace, if stolen. According to the National Equipment Register (NER), heavy equipment is nine-times more likely to be stolen than vandalized and five-times more likely to be stolen than encounter fire damage. These statistics are alarming and prove theft of heavy equipment has now become a billion dollar illegal industry.

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Experience Mod KPI Provides Trend Analysis, Opportunity Assessment, and Vital Management Tools

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

In January 2021, we launched the Safety Key Performance Indicator (KPI) Dashboard to provide a tool for our customers to use as a bridge between their experience mod and safety performance.

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California’s Landscape Industry Prepares for Ex-Mod Changes

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

For the first time in several years the Expected Loss Rate for class code 0042 has increased from $2.38 to $2.42, a 2% increase.

Bottom line, although very minimal, this should help bring the experience mod down.

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Four Factors that Shape your Risk Profile

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

How do you differentiate your company from your local competitors? Product, customer service, delivery, etc. The same can be said for your risk profile and insurance costs. Why are my insurance rates high when my competitors are low? This article breaks down four factors that influence your risk profile and impact pricing.

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California’s Workers’ Compensation Landscape May Reach a Valley in Coming Year

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

The workers’ compensation market for landscape companies in California has remained in a downward trend since 2015. As a result, landscape business owners have realized lower rates and subsequently aggressive premiums. The following are some key insights to help landscape businesses prepare for their 2021 workers’ compensation insurance renewal.

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Safe Cloud Computing for Contractors

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Author, Drew Garcia, Vice President, Landscape Group, Rancho Mesa Insurance Services, Inc.

Even prior to the COVID-19 pandemic, many construction companies were utilizing some form of cloud-based systems to effectively streamline business operations and increase accessibility of information. While hosting sensitive data in the cloud has many benefits like shared access to data, applications and storage, there are some risks contractors should take into account before relinquishing their data to the cloud.

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Landscape Companies with Low Experience MODs Do These 5 Things

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Author, Drew Garcia, Vice President of the Landscape Group, Rancho Mesa Insurance Services, Inc.

Landscape companies with a low Experience Modification Rating (XMOD/EMR) typically exhibit similar best practices when dealing with work-related injuries. Their proactive approach helps close claims faster and return employees to work sooner than their counterparts.

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