BROKER OPPORTUNITY!!  Are you a broker that has placed business with The Hartford and seen clients' losses go up?  Are you prospecting an account that has contributed to The Hartford's bad loss ratio? If you answered yes, then I see a big Broker opportunity  here called Workers' Compensation Premium Recovery Service for Brokers. Knock down clients/prospects experience mods up to 6 years back and get them back new money from old premiums, while you, the broker, earn first year and renewal commissions. A win-win for everyone… And the client will have a better underwriting profile to enter the renewal market place with. See Business Insurance article here.