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One Thing We Are Unable To Ever Do For Our Clients


One Thing We Will Never Do

This is one thing we will never do to our clients. We are very assertive/aggressive in dealing with Workers Comp insurance carriers, NCCI, State Rating Bureaus, and other parties. We owe that to our clients.

Vector graphic of workers One Thing to do with Client

The one thing that we have been asked to do that WE WILL NOT DO is to intentionally aid in the misrepresentation of classification codes and other insurance data to cut Workers Comp costs. Trying to cheat insurance carriers will only cost more in the end.

Quite a few states are now pursuing employers that intentionally lower payroll info, pay claims under the table, or misclassify their employees. As we have advised in the past, it is best to pay your fair share.

This situation does not come up often, but we do have to address the situation now and then.

We also will never try to cut Workers Comp costs by taking ” a roll of the dice” on a long shot to see if any cost reduction might occur for our clients. This often will backfire and end up costing our clients even more of their Workers Compensation budget. We only make recommendations on statistically significant data and results.

Attempting to game the Workers’ Comp system usually backfires in the long run.   An example of gaming the system is disputing the complete premium audit and bill to avoid paying it.

Bottom Line – you should pay what you owe, but not one penny more.

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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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