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Safety Consultant Disagreed With Me On Article – His Take


Our Safety Consultant Glen Disagrees With Using Mod As Only Bellwether

Our safety consultant, Glen, sent over an article in response to a recent article by me.   I always like to hear from the Safety realm as that is where a company can save on Workers Compensation premiums on the front end.

picture of safety consultant program chart
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Several weeks ago, an article was written on this blog stating that the experience modifier number (X-Mod) was the single best data element to determine if a company has a good safety program. While I don’t disagree with this statement, I am reluctant to embrace it fully.
When passing judgment on the merits or lack of merits of anything, one must find more than one data point. One item is like a dot on a piece of paper, but if we have three or more data points we can connect them into a meaningful shape.

Here are a few other things to look at in the analysis.

  • The number of safety trainings being done each year.
  • Does anyone at the company inspect and sign off on the fire extinguisher monthly tags?
  • Does the company have an up to date injury and illness prevention plan (IIPP)?
  • Does it cover all recognized hazards for that entities industry?
  • Do the people working there even know who is responsible for the IIPP?

The law requires this document to name a specific person as the IIPP coordinator. If people in the company knows who the IIPP Coordinator is, chances are he/she is bringing his/her message to them in an effective way.

Two Colleagues Safety Consultant At Work

There are more than a few reasons why a company with a poor safety program may have a low EMR. For example, a small company who has had no claims in the past five years.  On the flip side, a company with a stellar safety program may have a poor EMR because they had one large claim. Another problem might be Claims Examiner who over-reserved a claim.

In closing, I think of the expression, “one drop of rain does not make a storm.” In like manner one number is not enough to lead to a solid conclusion.

Please note that any articles written by outside sources, other than James J Moore, are not necessarily the opinions of James J Moore, J&L Risk Management Consultants, or J&L Insurance Consultants,as should be treated as such.

©J&L Risk Management Inc Copyright Notice


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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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