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10 Workers Comp Premium Reduction Desktop Items – More On List


Workers Comp Premium Reduction Desktop Items

These are the list of workers comp premium reduction desktop items.This post was originally started here. I decided to cover each one of the computer desktop items. I covered #1 here.

Graphic Of Gear workers comp Premium Reduction Desktop Items
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2. A status for each of your open claims – may be included in your loss runs. Quite often, the employer and adjuster may have two different statuses. The workers comp insurance adjuster or the employer may not have current information. Reducing the reserves can be difficult without the carrier and employer being on the same page. If statuses are not on your loss runs, or if you do not have online access to your claims, then the best way to obtain a status is by emailing, not calling, the adjuster on the file. See #5.

3. Experience Modification Rating sheets – provided by NCCI or your rating bureau – this is the official way to see your E-Mod and what reserves were reported by the insurance carrier to NCCI or your state rating bureau.

4. OSHA Log – this is the best place to see what incidents occurred and if all claims that should have been reported to your carrier are on your loss run.

OSHA emblem Premium Reduction Desktop Items
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5. Your Workers Comp adjuster(s) email – notice I did not say phone number – if you do not have your Workers Comp adjuster’s email address, you can usually find it out from the loss run or by calling the adjuster. Emailing your adjuster will avoid a phone call out of the blue as the adjuster will usually need to review the file before answering your question. Emails are the best way to inquire about a file.

6. All first reports of injury filed with your insurance carrier for the last two years – may be in #1 if you have online access – this is a quick way to spot injury trends along with the OSHA log. You may also want to compare your loss run versus your First Reports to make sure the information on the first reports of injury match your loss runs. Carriers without the proper info can cost you premiums in many ways.

7. Knowledge or instructions how to file claims online with your insurance carrier – some carriers charge extra $ to input a first report of injury into their system. I have seen the charge as high as $150 per first report. Filing your info online gets the claim reviewed more quickly by the adjuster and adds accuracy to the carrier’s online file.

8. The name and contact info for a local industrial minded physician along with the contact info for a local orthopedist for referrals from the original treating doctor – this method is the hallmark of saving Workers Comp $. Treating physicians are always considered the only impartial witness if the claim ever goes to a hearing. I have posted on treating physicians here.

Graphic Workers Comp Premium Reduction Desktop

9. An email address for you that does not block too much spam and that you check often, and a promise to look in your spam box more often – one of the adjusters’ main concerns is their emails end up in the spam mailboxes. Each email system has a certain way to add an email address as a safe sender.

10. Your local safety council’s contact information or local trade group. I have found that most employers that join an association with similar companies seem to do much better with their Workers Comp. I am not sure exactly why – it does seem to be a trend.

There are other workers comp premium reduction methods to save on Workers Comp costs. These 10 are a good start.

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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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