A Manuscript Policy is an individually designed policy. It is negotiated by the insurer and the insured and is specific to the insured. The drafted terms and conditions of the policy are tailored to the needs of the insured.
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California Workers Comp Premium Audit Guide A California workers comp premium audit guide showed up in a peculiar place. I came across a PowerPoint(r) presentation
Claim File Reviews – Use This Simple Diary System Every year we receive requests to perform claim file reviews to close out an employer’s calendar
When A Ghost Policy Becomes Scary – Accident Occurrence = Bad Day J&L Risk Management Consultants receives an inquiry on locating an agent that will
Insuring Agreements (Inclusions) – Second Part of DICEE Our back-to-basics articles continue with looking at the second part of any insurance policy referred to as
Are Alternative Workers Comp Insurance Programs Great Choices? One of the most popular consultant assignments we receive starts with a question such as in the
Workers Compensation Policy = Contract? We received this question on the similarities or differences between a Workers Compensation policy and a contract two weeks ago.
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ChatGPT Workers Comp Minimum Disability Rates Question I decided to try to stump AI again this week by asking the ChatGPT Workers Comp minimum disability
LCF Designation Question – Workers Comp Policy We have received this question in the last month from two risk management consultants. What does the LCF
Accountable Care Organizations (ACO) The accountable care organizations (ACO) are healthcare organizations characterized by a payment and care delivery model that seeks to tie provider reimbursements to
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:
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