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New Years Resolutions For 2009 Workers Comp And Beyond


Workers Comp New Years Resolutions – Kicking The New Year Off Right

Your New Years Resolutions for Workers Comp are listed below.  Now that the New Year is upon us, I was trying to think of the resolutions that employers might have to save on their Workers Comp premiums.

Graphic of Happy New Years Resolutions Red Fire Works

As an employer, to reduce our Workers Comp budget, we will:

  • Always review everything that we receive about our Workers Comp policies and audits
  • Request that our agent forward us all policy documentation for our review
  • Always cooperate with the premium audit process
  • Compare our new policy with last year’s policy and audit
  • Review all loss runs we receive for accuracy.  Request online access to have the most current info.
  • Initiate the first report of injury, medical referral, and return to work procedures
  • Review our safety program quarterly
  • Examine all types of insurance including large deductibles, captives, and all other programs available to us
  • Self Insure if we are large enough to do so
  • Know who our Workers Comp adjuster(s) are for our claims
  • Keep abreast of any major changes in the Workers Comp laws in the states where we operate or are expanding into soon.
  • Make safety even more important this year.  Increase the budget for the safety or risk manager.
  • Do not sign anything to do with Workers Comp if we do not understand it.  Ask for assistance from your agent on understanding any form before signing it or use a Workers Comp Consultant.
There are other resolutions that we recommend for employers. The previous list will help prevent the highest Workers Comp costs.

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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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