Workers' Compensation
Taking control of your workers compensation costs starts with OSHA compliant
safety programs.
Cotgreave Insurance attacks the high cost of Workers' Comp policies with a
three-pronged approach.
1. Our clients have access through our carrier websites to Workers Comp
materials and safety information. If necessary, our carrier will send a loss
control expert to all of your locations to review conditions and procedures.
2. We review all claims, and use risk mitigation tools to identify the causes of
loss, and help our clients take action to reduce the frequency of their losses.
We project our client’s modification factors 12 and 24 months in advance. As we
do this we are able to identify the variables that can positively and negatively
affect the modification factor. There are never any surprises. We work with our
clients to set short term, and long term goals. Then set up monitoring time
tables to make sure no claim goes un-reviewed, and the cause of each claim is
documented and any corrective action is taken.
3. Upon request, we review your mod rating sheets from the state comp board for
clerical errors. Sometimes a claim may have been closed but the state board
didn't catch it. Don't worry, we will.
Almost no broker on Long Island has direct access
to more workers compensations carriers than Cotgreave. This allows us to always have the
best pricing so it is no longer a concern of our clients. Taking price off
the table as a buying concern for our clients leaves both Cotgreave and our clients
free to spend our time reducing the number and size of claims as needed to reach
the pricing goals set.
Please give us a call. We will start with risk management by giving your
company their own risk management website. Your free company site will also
includes state of the art Human Resource, and Wellness programs. As these
systems that keep employees happy and healthy have been proven to reduce your
workers compensation claims. As such all insurance companies will give you
premium discounts by adopting our plans! Then we will work to get you the
absolute lowest prices, with the best terms.
It just makes sense that by first lower the number and size of your potential
losses that you will naturally get lower premium quotes, and better terms from
insurance companies.
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