Workers Compensation

This insurance policy provides the insured/employer with coverage to handle the expense when the employee is injured or becomes ill during the course and scope of the employment. The coverage includes the medical treatment, the loss of wages or disability, and the rehabilitation and vocational education or training to return the employee to full duty or to as near as possible full duty employment. Our emphasis is to work with the employer to design and obtain the type of coverage that best suits the employer's means and needs.

Employers of all sizes of staffing and type of operation receive a full coverage analysis to determine which type of workers compensation policy suits their best interests. We have experience in all types of plan design, from the traditional model to the more creative alternative plan designs. If the employer desires to take some financial risk with paying some claims expense we can locate and propose various plan designs to satisfy your interest.

• Guarantee Cost or Traditional Policy and often referred to as "First Dollar Coverage"
• Loss Sensitive Plans like Retroactive Plans or High Deductible Plans
• Alternative Workers Compensation plan designs like Captive Programs or Professional Employer Organizations

Our Managed Compensation Program provides unique services to the employer whereby our specialized claims analysts review workers compensation claims in an oversight capacity representing the employer's best interests to keep the management of such claims working towards the most beneficial result possible, for both the insured and more importantly the employer's claims experience.

Please see our unique Managed Workers Compensation for more details.

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