Todd Thams is a workers' comp expert and the founder of Mod Advisor, which simplifies workers' compensation experience analysis and reporting. They founded Direct Work Comp (2019–2024), enabling businesses to obtain instant quotes and purchase workers' compensation online. They led Thams Agency from 2004 to 2022, specializing in commercial insurance and benefits and helping clients reduce costs by identifying opportunities aligned with their goals. They hosted The Comp Effect podcast in 2021. They attended Simpson College from 1994 to 1996.
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