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Workers Comp Policy Mistakes – Which Employers Have More?


Workers Comp Policy Mistakes Occur More In These Employers

Workers Comp policy mistakes can be very expensive for employers no matter the source of the errors.

Picture of Pencil Erasing Workers Comp Policy Mistakes

What types of employers have the most Workers Comp policy mistakes?

We used to have an exhaustive list of employers that listed all of the employers that had mistakes in their Workers Comp policies. After examining policies for over 12 years, we have found that no one type of employer has more mistakes in their policies.

The list does not mean there are errors in your policies.  It does mean your company has a higher likelihood than other companies.

We have found that West Virginia employers have a higher rate of mistakes in their policies than other states.  This is very like due to the switchover from the Old State Fund to an open insurance market.  We will monitor this for the next few years.   We have picked up a large number of West Virginia clients due to the changeover.

Recently, several types of employers have popped up on our radar screens for having more errors than normal.

They are companies that:

  • Manufacture or use dyes or inks in their manufacturing processes
  • Manufacture non-woven fabrics
  • Trucking companies
  • Use subcontractors
  •  Handle metal
  • Tow Truck Operators

This list may change shortly.   Please remember the list above comes from our customers.  This may not represent the whole market.   The list is a good representative sample.


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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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