03 / Risk management
Fewer claims, a lower mod, better bids
Our risk control team includes a Certified Safety Professional. Every client gets a safety review in year one and a loss review every quarter, at no extra fee.
A / Services
What our risk control team does
Site safety reviews
On-site walk-throughs with written findings, photos and a fix list ranked by cost and risk.
Safety program manuals
Written programs your crews follow and your carriers recognize: fall protection, lockout and fleet rules.
Training referrals
OSHA 10 and 30 hour classes, forklift and aerial lift training, scheduled around your season.
Return-to-work plans
Light-duty roles that bring injured workers back sooner, which lowers the cost of each claim.
Contract reviews
We flag insurance and indemnity terms before you sign, not after a claim lands.
Quarterly loss reviews
Every open claim, its reserve and its effect on your next mod, in one meeting.
B / Mod calculator
What your experience mod costs you
Your experience mod compares your claims with other companies in your trade. Below 1.00 is a credit, above 1.00 is a charge. It uses three years of claims, not counting the most recent year.
Your modified premium
$480,000
Modified premium = manual premium x mod
$400,000 x 1.20 = $480,000
Simplified example. Real premiums also include schedule credits, discounts, taxes and state fees.
Sample / Quarterly loss review
Every claim, in one table, every quarter
This is the one-page report clients get each quarter. Open claims are where your next mod is decided.
Swipe the table sideways to see every column.
| Claim | Type | Status | Paid | Reserve | Next step |
|---|---|---|---|---|---|
| WC-2291 | Shoulder strain | Open, light duty | $8,400 | $6,000 | Release to full duty by Dec 15 |
| WC-2304 | Laceration | Closed | $1,250 | $0 | None |
| AU-0877 | Rear-end, company truck | Open | $14,100 | $9,500 | Subrogation against other driver |
| GL-0412 | Damaged water line | Open | $0 | $22,000 | Tender to excavation subcontractor |
| Change in reserves since last quarter | -$31,400 | Two claims closing early | |||
C / Claims
Report a claim
Call your account team first. We open the claim with the carrier, assign an advocate and stay on it until it closes.
- Injury on the job: get care first, then call within 24 hours.
- Vehicle accident: photos of every vehicle, the scene and the other driver's insurance card.
- Property or job site damage: protect the site from more damage, keep receipts.
Claims hotline
Staffed 24 hours a day for injuries and vehicle accidents.
Want your mod reviewed?
Send your latest rating worksheet. We check it for errors and show you what it will take to get under 1.00.