sterling risk advisors

A full-service surety and insurance brokerage firm with offices in Atlanta & Columbus, GA

by Sterling Risk Advisors

Release - John Shingler 11-8-13


by Sterling Risk Advisors

Release - John Earl Sterling Risk Advisors

by Sterling Risk Advisors

Release - Mike Ottwiller Sterling Risk Advisors

by Sterling Risk Advisors

Release - Teri Gass named Support Officer 10-22-13

by Sterling Risk Advisors

John Graham Joins Sterling Risk Advisors

Dick Naylor Joins Sterling Risk Advisors as Principal

by Sterling Risk Advisors

Dick Naylor joins Sterling Risk Advisors as Principal

How Your Business Can Survive the Affordable Care Act

by Sterling Risk Advisors

Sterling Risk Advisors Garry Hill on businesses surviving the ACA:  Cutting Employee hours might not be the solution

Click here to view the Cobb Business Journal article:



Garry Hill Garry Hill is a Principal with Sterling Risk Advisors and has over 12 years of expertise in the financial, consulting and insurance industries, and specializes in Employee Benefits.  For more information on Garry Hill please visit his page on the Sterling Risk Advisors Website:

Workers Compensation rating catching up with today’s economy

by Sterling Risk Advisors

Sterling Risk Advisors’ Paul Baker writes in the Cobb Business Journal that recent ERM changes will affect what businesses are paying for workers compensation insurance.

Click here to view the article on the Cobb Business Journal site or view below for your convenience:

Earlier this year, changes occured that will significantly affect what  businesses pay for workers compensation insurance.  To encourage a more  responsible employer culture, the National Council on Compensation Insurance  created a financial incentive and punishment mechanism, the Experience  Modification Rating (commonly known as the ‘experience mod’ or ERM). That rating  is being adjusted during the next three years to catch up with cost changes in  the economy.

The intent of the ERM is to reward or punish employers whose  loss results either overperform or under perform against the average. The idea  is simple: even though all employers pay a similar rate due to grouped “class  codes” corresponding to hazard risk, individual employer cultures can have a  drastic affect on losses.

The “experience mod” acts much like an  insurance credit score, warning potential insurers of a bad loss risk, or  indicating the most desirable employers.  Similar to the effect of your credit  score on your interest rate, the experience mod can have a significant impact on  the final cost and viability of your insurance policy and thus on the overall  profitability of your business.

Recent Changes Catch Up on Last 12 Years  of Cost Changes

The current mod formula takes into account actuarial  ratios to determine what the National Council on Compensation Insurance would  consider to be “average.” Amazingly, these ratios have remained relatively  consistent for the past 12 years, meaning costs for items such as fuel,  materials, labor and medical expenses are out of date.

Consider for a  minute you run a shipping company and your budget for predicting cash flow is  based on the cost of goods and services 12 years ago. You would be budgeting for  a gallon of gas to cost $1.00!  Any fleet fuel expense estimates would be wildly  inaccurate given the current $3.40 or higher cost of gasoline.

1.     At  its most basic, your business could be paying much higher workers compensation  insurance premium rates

2.     A high mod rating could affect how you’re  perceived in your industry and might cause OHSA to examine your company for  safety violations

3.     You might find that you can’t even bid for  specific jobs if your rating is too high

Just as we spend time watching  our payment history, potential credit lines, and available credit to debt ratio  to maintain our credit score, we should also devote a similar amount of time to  understanding the mod formula. We should watch the number of claims, size of  claims, insurance company reserving practices and other factors, to keep our  insurance score the best it can be. Your question should be: “How low could my  mod score be and what can I do to make it lower?”

Cobb resident Paul  Baker is a Principal with Sterling Risk Advisors, a full-service insurance and  surety brokerage firm that has offices on Powers Ferry Road. ]]>

Read more:  Cobb Business Journal. A Publication of the Marietta Daily Journal


Paul BakerPaul Baker is a Principal with Sterling Risk Advisors and specializes in providing risk management consulting and insurance solutions to the real estate, construction and hospitality industries.

For more information, please call Paul Baker at: (678) 424-6521 or email at

Matt Miller named Principal of Sterling Risk Advisors

by Sterling Risk Advisors

Matt Miller has been admitted as a shareholder and principal of Sterling Risk Advisors (, a full-service Atlanta-based risk management and insurance brokerage firm, in recognition of his contributions since joining the firm in 2010.

“Matt Miller has made tremendous contributions to the firm over the last three years”, said Doug Rieder, President of Sterling Risk Advisors.  “Matt has really energized our personal lines department since joining the firm and his approach to the business is very consistent to the high touch, consultative approach we bring to our commercial clients.”

At Sterling Risk Advisors, Miller specializes in management of the insurance needs of successful business owners and individuals, designing portfolios to uniquely fit each client. His clients’ needs might include high value home insurance, coastal property coverage, high limits of liability coverage and valuable collections.

Prior to joining Sterling, he spent seven years as president and principal of Miller Insurance Agency.

Miller has a Bachelor of Science degree in business management from the Georgia Institute of Technology. While at Georgia Tech he was a three-year football letterman and named to the All ACC Academic Football Honor Roll.

Miller is active in the football program of his high school alma mater, Marist School, and played an integral role in establishing the internet broadcast of high school football games throughout Georgia.

About Sterling Risk Advisors:

Sterling Risk Advisors is a full-service Atlanta-based risk management and insurance brokerage firm serving the commercial, professional and personal needs of clients across a diverse spectrum of industries.  These include medical and other professional services, construction, transportation and logistics, manufacturing, real estate and technology.  Product offerings include all forms of commercial and personal property & casualty insurance, employee benefits and surety bonds.

Matt MillerFor more information on Matt Miller please visit his bio on our website at

Consent refused? Take appropriate action

by Sterling Risk Advisors

Sterling Risk Advisors’ John Miller quoted in August issue of Physician Risk Management advising Physicians to be aware of their obligations to report parent’s neglect and decisions that put a child’s life in danger.

If a parent’s refusal to consent to treatment is life-threatening for the child or places the child at risk of serious harm, physicians have a legal duty to report this to the appropriate child protection agency or law enforcement.

Please click the link to view the article:


John Miller II John W. Miller is a Principal and Broker with Sterling Risk Advisors specializing in Medical/Malpractice  Insurance and Risk Management. For more information on Mr. Miller please visit his bio page on our website at: