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Being Named As Rebaters – Sign of Success?


Named As Rebaters – J&L Risk Management at ISO Conference

J&L was recently named as rebaters at an ISO conference.I had heard many times of the saying “You know that you are successful when bad things are written about you.”  I am not sure of the saying’s source.

Graphic Of Man Sitting On Bar graph Named As Rebaters Holding Key

At a recent ISO national meeting, we were named as one of the 11 bad workers comp review companies that are basically spewing out untruths to make a profit. If I remember correctly, there were three premium auditors that worked on the presentation. They even had links to the “awful” websites/companies such as ours. I wonder if the ISO had thought to screen the presentations. The ISO is such a good organization to allow presentations such as this one.

They had a quote or two from the blog – of course without my permission – that said untoward things about the insurance companies. The comments of course were taken completely out of context. With almost 360 blog posts, taking a part of one sentence and holding it up to the light does not make much sense.

Graphic Named As Rebaters Check

The one thing that concerned me is that we were identified as rebaters. Rebaters used in this sense is a totally inaccurate term. Rebaters are agents or brokers that will refund back part of their commission to a client to be able to sell the client a policy. As all of our web pages point out at the bottom, we do not sell insurance. One has to wonder how accurate these auditor presenters are on their audits if they actually had professed that we were rebaters which is totally the wrong term. Rebating is an illegal act in the insurance world.

Please note that we are not rebaters in any way or form. We review Workers Compensation policies and reserves for statistical inaccuracies that may result in overcharges for employers. We do these reviews on a contingency or hourly basis. We also are expert witnesses on premium disputes. We often do performance file reviews for Self Insureds.

I wonder what the next inaccurate bad press will say about us? I hope they at least check the definitions of the words they are including in their articles.

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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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