Lisa Bracero

Account Executive
Bender Insurance Solutions

Lisa Bracero has engaged in risk management & insurance for over 16 years. Her passion is helping businesses stay resilient through both the typical and the extraordinary circumstances they encounter.

She started her career at a Fortune 100 insurance carrier in underwriting and worked her way up to product development and sales. Lisa uses this knowledge to recommend coverage for clients and to represent them well to the insurance companies. Lisa has completed the Chartered Property Casualty Underwriter (CPCU), Agriculture and Farm Insurance Specialist (AFIS) and Construction Risk and Insurance Specialist (CRIS) designations. She is a proud Hornet having earned her bachelor's degree in Business Administration from California State University, Sacramento.

Lisa is engaged with local organizations including the Associated General Contractors of California (AGC-CA) where she serves on the Delta-Sierra District Board and on the Associates Council as a liaison to the Building Division. She is the immediate past president of the Sacramento Valley CPCU Society Chapter.

She and her husband love the Sacramento area. In her spare time, she can be found riding on the American River Bike Trail, frequently with their triathlete daughter, or walking Bailey (a fluffy poodle who barks too much) with their son.

You Earned It, You Keep It! How a Captive Insurance Program Can Work for You

This presentation will evaluate the current Workers’ Compensation landscape based upon historical industry performance, governmental impact and political influence compared to current trends. We will discuss changes to the experience modification factor over the last several years and how the formula revisions have affected smaller and now medium sized employers. With this backdrop, we will share tools for employers to manage their losses and reduce the trend of injured workers seeing litigation as the new normal for receiving their benefits. We will explore the current marketplace for guaranteed cost programs, the “stayers” and the“players,” and consider what your dollar can buy for you. Next, we will survey loss sensitive programs (risk v. reward), including retrospective rating plans, large deductible programs, and Captive Insurance Programs. We will examine the benefits and costs for Group Captive Insurance Programs. In addition, we will discuss key points of evaluation for an employer considering a Group CaptiveInsurance Program.

Learning Objectives 

  • Review historical industry performance, political involvement, government regulations and advisory rates compared to pure loss data.
  • Understand the impact of changes to the x-mod calculation over the past decade – initially influencing smaller employers and now directly affecting the results of larger employers.
  • Discuss tools for employers to control and reduce the trend of injured workers seeing litigation as the new normal for receiving benefits in a world where “no fault” was previously the rule.
  • Review marketplace results for guaranteed cost versus loss sensitive programs (risk v. reward) available to California employers, including retrospective rating plans, large deductible programs, and group captives.
  • Evaluate the Captive Insurance Program market: an expanding refuge for best of class risks.
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