Vis Major means act of God or an unavoidable accident or calamity. Almost all insurance policies have a Vis Major clause in them. It can be the basis for a denial of insurance coverage.
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Workers Comp Training Cannot Touch This One Area Many times, Workers Comp training can teach someone how to technically perform a task to a level
Workers Comp Accident Management By Restaurant Manager One of the more popular articles published recently covered the workers comp accident management by the restaurant manager
Workers Comp Injuries vs. Maslow’s Hierarchy of Needs Maslow’s Hierarchy of Needs may explain why injured workers react to their workers comp injuries in so
Workers Comp Accident – Slip and Fall In Restaurant Over the July 4th weekend, I decided to visit a local restaurant that survived the pandemic.
Recommended Paragraph For IME Cover Letter Paragraph – Used In 47 States One of the most confusing parts of the IME cover letter is what
Top 10 Most Reclassified Workers Comp Governing Class Codes – NCCI Every year, I try to cover the most reclassified Workers Comp Governing Class Codes.
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Term Of The Day – Wage Statement A wage statement is a necessary yet tedious part of paying a WC claim properly. The injured employee’s compensation
Term Of The Day – Minimum Compensation Rate Most states have a minimum threshold of Workers Comp benefits regardless of their wage rate. If the injured
James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt 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:
