The cost of an injured worker is far greater than what you pay for insurance when you consider the impact to productivity, other employees, and your future premiums. Workers’ compensation insurance only covers your direct costs, but a comprehensive workers’ compensation program can do so much more. The best programs proactively manage risk and include safety and return-to-work programs to mitigate risk and lower the cost in the long run.
Safer employees have fewer accidents which lead to lower costs. Our workers’ compensations programs are designed with your objectives, industry and exposures in mind, and place your employees’ safety as the number one concern. We help you identify ways to reduce incidents and put you in a position to respond quickly should an employee be injured or disabled.
When an accident does happen, we use a proactive claims management approach and focus on claims advocacy to positively impact and control costs. By managing the various aspects of a complicated claim from the start, we are able to get claims resolved quickly and effectively. Strong claims management paired with safety and return-to-work programs deliver cost saving strategies that allow you to manage your workers’ compensation plans.
A comprehensive and robust personal insurance plan is an integral part of a personal risk management strategy. Decisions regarding your personal risk management strategy should be made with the advice of a professional insurance agent who has experience working in the high-net-worth marketplace.
The choices in long-term care (LTC) planning are evolving and becoming increasingly diverse beyond traditional insurance offerings, with more plans designed specifically for wealth protection and a return on investment. Retirement planning is not complete without a healthcare discussion and understanding the risk that a long-term care event can have on a family. There have been many changes in the LTC market, and more options are attractive to wealthier individuals and couples.
Read about today's most urgent security risks in the Threat Intelligence highlights from September where we reveal current cyber events that impact both businesses and individuals, including new ransomware that targets corporate environments, critical security patches, and the threat of cyber attacks against the financial sector.
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