Claims management | Experience modification (ex-mod) | Loss control | Classification
Our objective is to achieve the lowest net cost possible for your firm. An aggressive, proactive approach to managing your workers’ compensation program is designed for your company. We assist in everything from loss control to the management of claims while keeping your experience modification as low as possible.
Our excellent relationships with the major insurance companies allow us to negotiate the best loss control service, close open-claims and reduce your premium.
Most injuries, accidents and illnesses that occur on the job and caused by work-related activities, materials, and equipment are covered by workers’ comp insurance.
To qualify for workers’ comp benefits, both the employee and the employer need to first make sure that the injury is compensable.
When an employee is injured on the job or develops an occupational illness, in most cases it is considered a workers’ compensation injury, thus eligible for a claim under your business insurance policy.
As soon as an occupational injury happens that’s covered by workers’ comp insurance, the injured worker should report to the employer as soon as it occurs since the employee’s time for reporting the incident is limited. Any delay in filing the claim can risk that the insurance provider could potentially deny the employee compensation benefits.
California’s statute of limitations for filing a workers’ comp claim is one year from the date of the injury. In most cases, the worker must notify the employer within 30 to 45 days of the injury.
Workers compensation benefits include death benefits, wages, rehabilitation services, and medical expenses. Here are some of the most common claims:
Example: A worker cut his finger on the job and was treated and released from the emergency room with a few stitches. The worker later got a staph infection and had to be hospitalized. The bodily injury on this minor accident ultimately resulted in a workers’ compensation claim of $50,000.
Example: A worker was walking up the stairs and slipped. The worker sustained a back injury. The workers compensation claim incurred was $90,000.
We compare quotes for workers’ compensation and other types of insurance from top-rated U.S. carriers. Once you find the right policy for your small business, we can begin coverage. More importantly, we proactively help you avoid these claims by being aware of the dangers before accidents and ailments happen.