workers compensation - things you should know

Luke Slabaugh – lslabaugh@sunbeltinsholdings.com – 602-332-5853

Workers Compensation - THINGS YOU SHOULD KNOW:

- Not all agencies have access to the same carriers. With a portfolio of 100+ workers

compensation providers we have access to solutions that you may not have seen.

- If you are trying to lower your experience mod by reducing claims you are focused on the wrong

thing.

- We can show you how much fraud is costing you and how to eliminate it.

- A properly managed triage program can reduce claims frequency by up to 45%.

- Workers compensation is better described as expensive financing than insurance.

- Mod reduction is the only controllable factor in long term cost reduction.

- The term expensive claims financing better describes workers compensation than the term

insurance.

- If you haven’t looked into guaranteed cost programs, performance based dividend programs,

loss sensitive retrospective plans, collateralized deductible programs, captive insurance

solutions you may be selling yourself short. - 1.0 is not your lowest possible experience mod.

- Premium and down payment financing is available without financial collateral and can be used

to free up much needed capital.

- Reduction of costs happens by addressing Frequency, Severity, Data & Claim Accuracy and Fraud

- We can provide you with exact calculations of future rates based on current or projected claims

- We don’t just supply you with the tools. We do the work.