Workers' Comp is the way you finance employee injuries. For every dollar the insurance company spends. You are likely to pay back $2.00 to $3.00 It's our job to stop the borrowing at such high interest rates.
Because Workers' Comp is so complicated and confusing, you are left to assume that your premium audit reports are accurate and your Experience Modification Factors are correct. However, because of mistakes rampant in the Workers' Compensation system at least 50% of businesses are overcharged for their Workers' Comp insurance. Plus, once one of your employees suffers an injury that is not managed correctly, the financial and emotional impact could be destructive.
To help you wrest control back from the insurance companies, we have created a copyrighted 20-step process.
You’ll receive important information to help you avoid overcharges on your workers’ compensation.
Discuss your company’s growth positioning and risk improvement strategies.
You would not go to an IRS audit without expert advice, would you? Don’t allow the insurance company auditor to audit without the same expert guidance.
Our task is to help you improve your business and employee lifestyle.
Prevent injuries and manage injuries with a microscope. That’s how to crush your Workers’ Comp costs. If not, your experience modification factor may skyrocket out of control.
May 20, 2013 Dear Ray: I am writing to thank you for helping me better understand the inner workings of Workers Compensation insurance. While I have had quite a bit of safety management experience, I had never learned or really...
Dear Ray, Three years ago, we made the decision to switch our insurance to another agency because we heard that they were the best. We were wrong. Everything started great, but went downhill as more time passed. We went back...
Workers’ compensation has always been about people, but the “human factor” is taking center stage in a way we haven’t seen before. Employers tend to think of injuries as mechanical problems, slips, trips, machinery, equipment, ergonomics. But the forces driving...
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Major workplace crises, whether natural disasters or acts of violence, always leave behind more than physical damage. They reveal gaps in preparedness, expose weaknesses in response systems, and place lasting burdens on the affected workers. Two recent events, the Los...
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Fentanyl Employers have long used pre-employment drug screening as a key safeguard to protect workplace safety and control workers compensation costs. Historically, differences between pre-employment and random drug testing results have been modest across most substances. However, data from the...
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The 2025 Workers’ Compensation Knowledge Report by Atticus, a legal services company offering free workers compensation advice to those injured at work, reveals critical knowledge gaps about work comp processes and employee and employer rights. These widespread misconceptions create barriers...
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