As a small or medium sized business, you have less buying power than large corporations with thousands of employees, and are at the mercy of market rates and your loss record. For the typical small business with fewer than 100 employees, one large claim or multiple small claims over the course of a year can result in significant costs caused by lost productivity and long term rate increases. Even with all of your hard work to keep your Modification Factor (Mod.) low, there is no guarantee against an accident happening tomorrow and ruining your spotless record.
As a Professional Employer Organization (PEO), Windsor provides Workers’ Compensation coverage to thousands of employees, diluting the effect of individual claims on your group’s cost of coverage. This allows us to keep your rates stable and affordable.
Our Approach
With an aggressive claims management department, we will work together with you and your employees to control claims, improve safety, and reduce your overall cost of risk. Unlike an independent agent or insurance agency, what happens at your business affects our rates, so you have a built in guarantee that we will work to manage your claims effectively and help your employees recover from accidents and return to work as quickly as possible.
Custom Made Programs
The needs and obligations of a company with 10 employees are very different from those of an organization with 500 employees. Accordingly, the program we implement for each client is tailor fit to their requirements. The program is custom made for you, it is a “living” relationship that evolves as risks and needs change. Because we fit our program to your needs, and do not force you into a pre-set plan, you and your employees know they are receiving the best protection possible, backed by a professional team of experts.
Risk Control and Claims Services
Timeliness and accuracy of accident reporting, a return to work program, risk mitigation program development, and training are all vital to keeping your employees safe and productive. With your support team at Windsor, you and your employees no longer have to struggle with the reporting requirements and time consuming tasks following an accident.
This is when you most need the ability to regroup and focus your efforts towards your strategic goals and the bigger picture. Let your claims management professionals at Windsor HR Services relieve you of the paperwork, investigations, phone calls and reporting required when an injury accident happens.
WHRS’s Claims Management and Risk Control Associates are experts in managing exposure to Workers’ Compensation risks.
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Workers’ Compensation and Risk Control Services:
• OSHA 300 Log Preparation & Reporting
• Expedited Certificate of Insurance Delivery
• Post Accident Drug Testing
• Accident Reporting
• Risk Management Program Development
• Risk Management Program Auditing
• Scheduled Location Service
• Injury Review Process
• Repeat Offender Investigation
Claims Management Services:
• Development of Special Claims Management Procedures
• Administration and Filing of all Claims
• Establishing Claims Best Practices
• Light Duty Work Programs
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