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J&L Risk Management Consultants

Work Comp expert witness reserve reviews premium audits for employers

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WORKERS' COMPENSATION PREMIUM REFUNDS POSSIBLE.
Home » Work Comp Consultants

Work Comp Consultants

J&L”s Risk Management Workers Comp Consultants

As Workers Comp Consultants, there are many areas of consulting in which we specialize for our clients.   Our premium reduction services center on specialized premium analysis. 

Premium Analysis Service 

We statistically analyze your premiums and NCCI / state bureau Experience Mod calculations for errors. We also thoroughly review the premium auditor’s computations to verify the accuracy of the yearly premium audit.

Reserve Analysis and Review

J&L’s workers comp consultants will examine your claims reserves to make sure they are in line with industry standards and that files are closed promptly.  

Experience Mod Projections

We often forecast employers’ Experience Mod for up to five years in the future.  We use the time-tested regression analysis methods instead of the usual actuarial projects that are in our opinion not as accurate as possible. 

Physical or Online File Reviews

We can easily review the claims adjuster’s work to ensure proper claims handling, reserving, and subrogation.  We usually score the adjuster’s work using a 100 point scale.  Our claims analyses covers 33 different areas of claims adjusting to thoroughly assess the health of the files. 

Presentation and Employer Training Services

We can provide an award winning workshop from one to four hours in length that is applicable to all states.   The workshops can be altered to the needs of a specific employer or group of employers.  

Self Insurance Services

We analyze your company’s current Workers’ Compensation insurance situation to see if self-insurance is a viable option.  We can help you design or modify your self-insurance program for maximum cost savings.  There are approximately 8 – 10 requirements of employers that wish to be self insured.  We have long term experience in assisting employers that wish to covert to self insurance.  

Self-Insurance Loss Development Factors

J&L will forecast your required spending levels for up to 10 years in the future using current and past data.  We have promulgated Loss Development Factors as part of our services since 1996.  Our company founder James J Moore has a large background in actuarial science.  He possesses a Bachelor’s Degree in Actuarial Science. 

Employer Support Services

We provide various employer ancillary services such as

  • Accident Disaster Plans
  • Medical Treatment Networks – this is a real cost saver that involves little monetary input 
  • Return-to-Work Programs – to keep the files from becoming permanent total by successfully returning the injured worker to gainful employment 
  • First Injury Reporting – a critical part of Workers Compensation savings is reporting an accident as soon as possible.  We will train the employer to how to properly and timely file a first report of injury.  

Expert Witness Services

Our founder has reviewed hundreds of files for employers, Third Party Administrators and carriers.  James has testified on numerous files that involve premium audits, premium billings, and adjuster file management.  He wrote a landmark report on a recent large class action matter which enabled the file to settle readily.  The class action employer members were able to recover overcharged premiums.  

James has a background that covers actuarial science, IT, claims, premium charges, and proper policy applications.   His background enables him to testify in various Workers Compensation matters.    

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About Me

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James J Moore
Raleigh, NC, United States

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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J&L Risk Management Consultants Inc
14460 Falls of Neuse Road,
Suite 149305
Raleigh, NC 27614
(800) 813-1386
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