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Disturbing Trend From Workers Comp Insurance Carriers


Insurance Carriers Disturbing Trend

We have noticed a very disturbing trend from Workers Comp insurance carriers.

Often, after accepting a new policyholder, the insurance carrier will send out what is considered to be a Loss Control Consultant.

Vector graphic of man Disturbing Trend insurance carriers

Often, we have seen the Loss Control Consultant fill out Work Comp Audit Workpapers and submit these to the carrier.  We do not see this as any type of Loss Prevention or Control function.

If the insurance carrier or employee is more of a premium auditor, then the carrier should inform the employer that the company will be doing a premium audit of sorts.

I have six of those back on my desk at the office.  Hopefully, this will not be a trend that continues.  The most concerning item is the employer is never shown the workpapers.  One has to wonder why the employer is not advised of the initial premium audit part of this visit.

I will keep you updated on this trend if it develops.  BTW, this is not one carrier that is doing this type of premium audit.

Do not take this appointment as just Loss Prevention or Loss Control. Many times, and in one very particular instance, we have found the appointment to be a Premium Audit of sorts. Please see our post tomorrow for more information. I am having trouble with the hotel wireless system I am on as of now.

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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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