Workers Compensation insurance coverage is mandatory in Connecticut and necessary. It insures businesses if a worker gets hurt on the job and files a claim, and it helps employees with medical benefits and wage replacement while out of work.

Workers Compensation also represents a major expenditure for firms across all industry sectors, especially difficult today when payrolls are flat or diminished and employers are seeing a rise in workers comp rates. A number of factors contribute to the cost of insurance, including rising medical costs; fraud; a company’s loss history and how these losses compare to other comparable businesses within its sector; frequency and severity of claims; among other issues.

Along with our carrier partners, we can provide assistance in setting up an accident investigation program, safety programs, and more to help reduce on-the-job accidents and injuries and get employees back to work as soon as possible with return to work programs. We will also work with you to pinpoint red flags that may indicate where your business may be at risk for fraudulent claims.

What’s more, our staff will conduct a comprehensive review of all your documents, including your current Workers Compensation policy, your experience modification worksheet, payroll audits, and loss-sensitive rating adjustments, to see where we can make improvements and where there may have been problems or miscalculations.