Federal and State Workers' Compensation laws were established to provide wage benefits, medical treatment, vocational rehabilitation and other benefits to workers and their dependents injured on the job or who acquire an occupational disease. For most business owners, Workers' Compensation insurance is mandatory.
Our team of professionals will manage your Workers' Compensation insurance policies, ensuring that your company is in strict compliance with the laws and regulations which govern it – whether you operate in one state, or all fifty.
Employers Resource has developed one of the strongest Workers' Compensation and Safety Programs in the PEO industry. Our experience and expertise is backed by a proactive approach concentrating on returning employees to work quickly, processing claims smoothly, and rewarding companies for implementing strong safety programs.
Program Administration and Management
One Step Claim Reporting – When an employee is injured or reports a work-related illness, the team of professionals at Employers Resource will manage the claim from the initial report to final settlement. Our claims reporting process is uniform and consistent, and promotes accurate fact gathering, documentation, evidence gathering and preservation (as necessary), and ensure that our clients are in full compliance with associated rules, regulations and laws.
Cash-Flow Friendly Premiums – In order to preserve operational cash-flow, Employers Resource offers you the option of spreading out the cost of your Workers' Compensation insurance coverage. This eliminates the need for making a large, up-front payment to the insurance company, thereby preserving capital, providing greater control of cash and credit lines, while improving the balance sheet.
Best Price Negotiating – Whether you are negotiating to buy a new car or a full-suite of insurance products, you want the best deal you can get. With more than twenty years experience negotiating with America’s largest and most prestigious insurance companies, the experts at Employers Resource guarantee that our clients receive the best price available, period.
Status Report Filing – Whether your company has operations in one state, or all fifty, there are federal and state regulations which require the filing of timely and accurate Workers' Compensation Status Reports for all on-the-job injuries and illnesses. The Employers Resource claims management program includes in-house expertise with reports and associated compliance requirements.
Certificate of Insurance Processing – When entering into agreements with other business entities, you may be asked to provide a proof of insurance certificate (or certificates). Rather than track down multiple policies (and multiple agents), let Employers Resource provide you with the certificates you need quickly and efficiently – with just one call.
Program Consulting Services
Clients of Employers Resource can achieve the best results possible from their Workers' Compensation investment by utilizing our staff of professional consultants. As leaders in Workers' Compensation management and risk mitigation techniques, we offer services delivered by a national team of experts that will help you mitigate risk, meet or exceed all federal and state rules and regulations, and reduce your overall Workers' Compensation program costs.
Our consulting expertise includes the following:
- Loss Prevention Inspections – At Employers Resource, we believe that loss, injury and illness are often preventable. Our team of experts will develop a plan tailored to your specific needs, including safety training programs, employee occupational safety and loss prevention. Our inspectors are available to travel to your work site and audit/inspect your work area, documenting specific items which might be improved, resulting in lower costs and risks.
- OSHA Requirement Consultation – Employers Resource can arrange for OSHA to send an on-site team of consultants to your worksite, who offer free and confidential advice to businesses in all fifty states. Consultations are totally separate from enforcement and do not result in penalties or citations.
- Onsite Loss-Control Evaluation – Employers Resource will work with you at your place of business to conduct a full evaluation of on-site risks, as well as an overall survey of your property to assess the safety of your physical assets. Our team of experts also work with clients to evaluate the risks and advantages of implementing new technologies and/or processes, and will review your loss history in an attempt to identify trends. The final report document you receive from this service includes a comprehensive set of suggestions you can recommend that will make your workplace safer and reduce your annual Workers' Compensation premiums.
Executive and Owner Payroll Limitation Caps
The laws, rules and regulations governing executive and owner payroll limitation caps as they apply to Workers' Compensation eligibility vary from state to state. As recognized experts in the national variances imposed by these policies, Employers Resource can assist corporate officers (president, vice president, secretary, treasurer, etc.) to become eligible for Workers' Compensation insurance, if desired. However, wages for these executives and owners must meet specific mandated minimums and maximums, as calculated by state and federal guidelines.
To find out if the executives in your company are eligible for this important benefit, contact your Employers Resource client service representative today.
Safety Award Program
The Employers Resource Safety Award Program rewards clients that have demonstrated exemplary performance in administering their Safety Program. Clients will qualify for rewards when they have six months with no time loss accidents and report all claims to Employers Resource within twenty-four hours. The amount of the reward is equal to five percent of the Workers' Compensation premium paid during the qualifying period.
|
