01 — Services
What we actually do
Workers’ compensation premium is payroll multiplied by a classification rate, adjusted by an experience modification. Every service below attacks one of those three variables — the classification your payroll sits in, the losses that set your modification, or the market the risk is placed in.
02 — Index
Select a service
Workers’ compensation for staffing agencies
Staffing agencies are the hardest workers’ compensation risk to place in America.
PEO placement and exit
A professional employer organization becomes a co-employer of your workforce, handling payroll, benefits and workers’ compensation under its own master policy.
Experience modification review
An experience modification is a multiplier applied to workers’ compensation premium, calculated by a rating bureau from three years of payroll and losses.
Class code and payroll audit
Workers’ compensation premium is payroll multiplied by a rate set for each classification code.
Claims and reserve management
Reserves are the insurer’s estimate of what a claim will ultimately cost, and that estimate — not the amount finally paid — is what enters your experience modification.
Certificates and compliance
A certificate of insurance evidences coverage to a client or general contractor; it does not create it.
Hard-to-place and high-hazard coverage
Employers get declined for hazardous class codes, adverse loss history, or a lapse in prior coverage.
Return-to-work programs
A return-to-work program brings an injured worker back to modified duty within medical restrictions rather than keeping them out until fully recovered.