Most brokers will Provide you with competitive rates. At Poms that’s just the beginning. At the core of our commercial insurance brokerage operation is a uniquely talented and experienced team of workers’ compensation professionals dedicated to providing every client with innovative solutions to their workers’ compensation needs. We not only provide consultative advise to risk management issues but deliver “real-world” solutions to manage your workers’ compensation costs over the long-run.
Here are some of our workers’ compensation services and resources to help you control your workers’ compensation program:
Dedicated Workers’ Compensation Specialists
We understand you need more than insurance generalists to help you navigate a complex workers’ compensation environment. Our dedicated team of workers’ compensation specialists and certified adjusters are trained and experienced in loss control, claims management, and underwriting and will assist you with your most complex workers’ compensation issues.
Experience Modifier Analysis
Understanding your experience modifier and how to control it is essential in managing your workers’ compensation costs. After analyzing your experience modifier and associated claim detail, we will help you develop a ‘plan of action’ to maintain a healthy experience modifier in the future.
Good claims management is critical for an employee’s speedy recovery and for a healthy experience modifier. Claims that are not controlled increase reserves which negatively impact your experience modifier. Our experienced team will advocate on your behalf from beginning to end. We will also manage claim reviews and request designated adjusters when needed.
Risk Management & Loss Control
The best claim is the claim that does not occur. In order to reduce the severity and frequency of claims, our experienced risk managers and loss control professionals will help you create and maintain a safer work environment for your employees. They will also help you build a safety program to encourage safety and compliance with OSHA regulations.
Total Cost Analysis (TCA)
To manage a company’s workers’ compensation program effectively, it is important to know the true cost of the program against net income/EBITDA. Premium is only one expense but there are also expenses related to lost time, reduced productivity, replacement costs, litigation and others. Our workers’ compensation specialists are experienced in analyzing workers’ compensation costs and will help you understand the impact these have on your bottom-line/unit sales.
Posting Notices And Osha Compliance
Understanding the rules and laws that govern workers’ compensation can be difficult for most employers. For this reason we will work with you to ensure that you are compliant and have access to the correct information at all times.
Understanding the best type of workers’ compensation policy for your business is very important. Our qualified and certified workers’ compensation specialists will guide you through this process so you choose the policy which provides you with the most control and financial flexibility. They will also negotiate on your behalf to ensure competitive pricing while matching you with an insurance company/program to meet your needs.