You go to your family physician when you don’t feel well. Occasionally, an X-ray is performed. If this X-ray results in suspicious findings, you make a choice.

Do you allow your family physician to diagnose and treat the suspected findings?

Or do you consult a highly trained and expert physician that specializes in this field of medicine?

The answer is obvious. You choose the expert. No questions asked. In fact, your family physician would agree.

Your choice of a specialist for your workers’ comp expense should be the same. Workers’ Comp usually ranks as the 3rd highest expense item on a profit/loss statement for a business. 

Is that fact important enough to partner with a specialist that understands the specific cost factors of this drain on your hard-earned profits?

As a client, you want to have these cost factors identified and explained to you. This includes an explanation of the following: 

How do small medical-only claims affect my specific experience mod factor?

What can we do to lower the lost of run-away claims?

How can we prevent fraudulent claims (one of our best tools for you)?

Why is my workers’ comp audit so high and unexplained to me?

Are we taking advantage of all the classifications available to us?

How do we structure a safety incentive plan that is embraced by our employees?

How do we receive the best dividend plan from the market place?

The list goes on. 

We have chosen to specialize in saving our clients money on Worker’s Comp Insurance. This is our exclusive focus every day. 

Years ago we identified several cost factors of Workers’ Comp. These cost factors control your actual costs for this expensive item on your profit and loss statement. In order to control this expense, you need an expert to “shepherd” you through the workers’ comp system.

Factors such as claims that are out of control, audits that are incorrectly performed, and your specified Experience Mod Factor control your final costs.

Other factors include different payment options that will allow you to gain an advantage over your competitors in your industry. Each and every year, different carriers compete for your business. Their payment plans and options change in the marketplace.

We measure these competitive programs with your tolerance for risk, operating culture, and commitment to safety and bring these to you to choose as you see fit.

We offer two guarantees to our clients who favor us with their business.

First, we will identify the real cost factors to you and explain these in a fashion you can understand and execute methods to save you profits.

Secondly, we will earn our commission that is paid to us. Your current agent makes about 10% of the premium you pay in commission.

Do they earn it? How?

We earn the commission you pay us by delivering knowledge and executing methods to attack these cost factors.

You pay for this…you deserve this from your partner. We hope you will choose us to be that partner