Let us help you get back to Zero with our customized plan to help your organization manage your Workers’ Compensation Insurance costs.
Workers’ compensation costs can make or break a business. For many companies, it’s one of the largest insurance expenses you have. What if you could lower your costs, reduce errors and fraud, and sail through a workers’ comp audit without breaking a sweat?
That’s where the Zero Factors plan from S&K Financial and Insurance Services can help.
Lower your workers’ comp premiums and reduce your employee injury related stress by adding up to zero.
Zero Injuries: An effective employee education and safety program helps prevent employee injuries. Fewer injuries means fewer workers’ comp claims.
Zero Delays Reporting Injuries: Research shows that an employee injury becomes more expensive the longer they wait to report it. Train your employees to report injuries immediately to control the cost of employee injuries. When they do, they’ll recover more quickly, too.
Zero Lost Time: Recovery-at-work is vital for both your business and your employees. With the right workers’ compensation coverage, a qualified medical professional can release an injured employee to your recovery-at-work program sooner rather than later. This keeps your employees active, engaged, and able to maintain their daily routine. Research shows employees recover faster when they can go back to work.
Zero Hiring a Workers’-Comp-Injury-Waiting-to-Happen: With the right hiring process, you can confirm that every new employee is physically and mentally capable of essential job functions. Without this, you may hire someone who can’t safely do the job you need them to do. They’re a ticking time bomb with an injury and workers’ compensation claim waiting to happen.
Zero Premium Audit Errors & Overcharges: Beyond employee claims, audit errors and overcharges raise your premiums in a way you can’t budget for. With the right employee classifications applied to your business, you avoid audit nightmares and overcharges, saving you money.
Zero Non-Workers’ Compensation Qualified Medical Providers Treating Injured Employees: When the right doctor treats your injured employee quickly, diagnoses them properly, and gets them back to work, your claims cost goes down, and you have a productive employee back at work.
Zero Litigation: Your workers’ comp coverage might protect you in a lawsuit, but prevention is key. Lawsuits are less likely when you stay in touch with your injured employee and let them know their value to the company.
Zero Fraud: Workers’ compensation fraud occurs all too frequently. We can help you learn the steps to discover fraud before an expensive claim occurs. Factors in preventing fraud include timely reporting, thorough investigations, proof of injury, and more.
Zero Experience Mod: The correct classifications, a zero-error audit, and zero employee injuries work together to shrink your experience mod to zero.
Want to get to zero in your business? Tired of out-of-control workers’ compensation costs and too many employee injuries? S&K Financial and Insurance Services is your advisor not only for the best workers’ comp policy but to help you minimize your risk and your costs by getting you to zero.
Contact S&K Financial and Insurance Services today!
