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Follow up Question to Last Post By Devout Blog Reader


One of Our Regular Blog Readers  Has A Follow up Question

The follow-up question on our software comes from one of our regular blog readers.

Graphic of Envelope Follow Up Question With Question Mark

We have received quite a few questions about the software that we have developed for the analysis of Workers Compensation policies, premiums, E-Mods, and reserves. We are in the process of making the software available to businesses through our website on a per-user basis. Creating intuitive web-based software is a large task.

We tried in 2004 – 2006 to create an Excel-based software.  We still have a long way before finishing any type of software.  J&L may produce a manual to aid in comp cost reduction.  The best platform for workers comp analysis software comes from Microsoft – either Excel or Access(c).

As of now, we use the software internally as an aid to performing Workers Comp analyses for our clients. What is the number one error we have found in Workers Compensation policies and reserves? Check the archived posts to see what we have uncovered in our analyses.

The first step to cutting your Work Comp costs is asking “Why?”. If you or your company are just writing checks without questioning anything, you have a 50% chance of overpaying for your coverage. A good reference guide when dealing with Workers Comp is on our website at https://cutcompcosts.com/definitions.html. Print the definitions out or save them to your hard drive. They will come in handy.

Next Up – Are Self-Insureds Really Out of the Workers Comp System?

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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