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WORKERS  COMPENSATION
We are pleased to be Licensed in the following States: Maine, New Hampshire, New York, Florida, Colorado, Georgia, Mississippi and
Missouri.
You probably know that if you have employees
you need Worker’s Compensation Insurance but just because it’s
required, doesn’t mean you should buy it “off the shelf”.
Worker’s Compensation Insurance is a very
specialized field and should be “tailored” for you by experts.
The cost savings you can achieve involve
several Risk Management areas:
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Proper classification of your company’s
employees based on an in depth analysis of your operations.
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If you have an experience modifier, a thorough
review of this modifier and the underlying data using “state
of the art” technological software to confirm it’s accuracy
and perhaps predict the future modifiers based on your
historical data.
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Many times we can work with the carrier to
assess the current claim reserves that are in place that
affect your rating.
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The effectiveness of safety programs or in some
cases the implementation of safety programs and procedures to
lessen hazards leading to fewer future claims and better
experience going forward.
Here are some of the savings we’ve helped our
clients make:
LANDSCAPE GARDENING
$30,000 savings in Workers Compensation
premium, over two years by proper classification of the
employee payroll and the insured’s operation.
SERVICES BUSINESS
$80,000 reduction in Workers Compensation
premium by implementing safety procedures and ergonomic tools
as well as education of supervisory staff.
EXCAVATION CONTRACTORS
$10,000 and $22,000 less in Workers
Compensation premiums through the use of proper
classification, claim reserve take downs and implementation of
safety manuals and meetings.
These savings were realized because of J.
Edward Knight’s ability to LISTEN to our customers. We get to
know what our customers do and we work with them as partners
to accomplish substantial premium savings while making their
companies a safer place to work for their employees.
So how are you buying your workers compensation
insurance? Is your agent pulling it off the shelf without
understanding your business? Are they asking the right
questions?
If you would like a professional assessment of
your Workers Compensation Insurance needs, give us a call or
e-mail us TODAY!
How about taking your workers comp policy to
the next level! Just fill in the info at the bottom and
you’ll be part of our information pipeline.
LOOKING FOR ADDITIONAL INFORMATION?
The following forms and websites may help:
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