Workers' compensation coverage and cost analysis.

Coverage that reflects your workforce.

We review your operations, job classifications, payroll, and the states where employees work to help align your coverage with your business. That includes considering employers liability coverage and changes in your workforce or operations that deserve attention before renewal.

Understand what drives your costs.

For eligible businesses, the experience modifier adjusts premium based on past losses compared with expected losses for similar work. We analyze the information behind that number and prepare projections to help you understand potential changes. Projections are estimates based on available information; the applicable rating organization determines the final modifier.

• Claims trends and the factors contributing to your experience modifier
• Payroll and classifications used in the analysis
• Potential changes to consider when planning for renewal

Support when an employee is injured.

Our commercial claims team helps with reporting, coverage questions, and carrier coordination, with involvement tailored to the claim and the support needed. We also review open claims and reserves—the carrier's estimates of future claim costs—to identify questions and discuss them with the carrier. The carrier remains responsible for its claim decisions and reserve amounts.

Explore our claims advocacy support →

Make workplace safety part of the program.

Preventing injuries starts with understanding the work your employees do and the hazards they face. Our risk control support can include workplace assessments, safety program review, and training, tailored to your operations and needs. We help you identify practical improvements and coordinate available carrier loss control resources.

Explore our risk control services →

Prepare for renewal and premium audits.

We help you review relevant payroll and classification information, understand premium audit questions, and address discrepancies with the carrier. The scope of assistance is tailored to your needs. As your business evolves, we also evaluate whether a traditional guaranteed cost program or an alternative funding approach warrants consideration, including the financial responsibilities involved.