Q: We have an insurance agent, isn’t he aware of these issues? Why do we need your services?
A: Although most agents review all your policies; such as fire, liability, auto and umbrella, our specialty and expertise is strictly workers compensation insurance. There is therefore a good chance that we will find an error overlooked by your agent.
Q: We are insured with one of the State Fund’s safety groups. They review our policies. Why do we need your services?
A: In fact, a large percent of the savings we facilitated were for safety group policyholders.
Q: We are already getting a discount from our carrier. What more is there for you to do?
A: Your workers compensation policy is multi-faceted. In addition to the discount, there are various other issues; such as, modifiers, classifications, pap credits, territory differential, as well as overcharges and fraudulent claims and reserves, which need to be taken into account. Though you are receiving a discount, your carrier may be overlooking some other issues.
Q: Do you provide this service as a door opener to sell us insurance?
A: No, we are not insurance brokers/agents; we don’t sell any insurance products.
Q: I’m busy running my business and really don’t have extra time for this, how much of my time will I need to set aside to obtain these credits?
A: In most cases, there will be minimum time required from you. The work will be handled by our professional and experienced staff.
Q: How far back can you change our policies and facilitate refunds?
A: That depends on the error we find, it ranges from one to seven years.
Q: Bottom Line: What kind of premium savings are you talking about?
A: Savings can be as much as 40% of the annual Workers’ Compensation premiums.
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