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Save On Workers Comp Premiums – Keep Your Website Current

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Save On Workers Comp Premiums With An Updated Website

Keeping your company’s website up to date is one of the best ways to save on Workers Comp premiums increase your business no matter the size.  One of the first background materials we request from clients is their website address(es).  

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Why?  One of the first places that insurance carrier premium auditors examine for information about an employer is their website.  The auditor searches for certain areas in the webpages such as type of products produced; locations; Board of Directors, owners; company-specific or audit-specific  information.

If your website says that you manufacture widgets and your company has not produced those for many years, then your website should be updated with that information.  Your website can be thought of as a sales brochure.   Your website is not the place for out-of-date information.

Dollars and Coins Save on Workers Comp Premiums Cash
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We came across an employer that was disputing their audit in California.  They produced ink dyes a few years ago, but then changed to manufacturing a type of sealant.   The auditor became confused when he/she looked at their website.   The result was being assessed a larger premium audit bill.

With our help, the situation was cleared up after it was discovered that their website even had a place to order the old ink dyes still active.

This happens more often when the website matches the company less and less each year.  One area to watch is that your Google profile links to an active but unlisted website.  Googling your company may show many links to a website you quit using long ago.

We actually switched blog sites in 2010.   Google still lists some of the old blog and website in their index from 2007.

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James Moore

Raleigh, NC, United States

About The Author...

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:

  • 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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