COVERAGES

WORKERS' COMPENSATION EXPERIENCE MOD REVIEW
How can I gain more control over my Workers' Compensation costs?

ACTION PLANS
Do you know what your agent is going to do for you in the next 12 months?
MARKETING
Does your insurance program have the best terms and conditions available?
PROPERTY VALUATION
If you lost your building, what would you expect your insurance company to pay you?
LEASE REVIEW
Has a lease created an uninsured exposure to your business?
CONTRACT REVIEW
Are you entering into contractual agreements that are not addressed by your current insurance? Do you hire services without a written contract?
STEWARDSHIP MEETINGS
How do you evaluate your agent, coverage and claims throughout the year?
DISASTER PLANNING AND REVIEW
How comprehensive is your disaster plan?
NEW FACILITY RISK REVIEW
If you are building a new facility, do you have the proper procedures and safeguards in place to protect you from risk?
ONLINE SERVICES
I need to make a change to my coverage. Can I do it online?
Workers' Compensation Experience Mod Review

Was the latest mod applied to your current policy a BAD SURPRISE? Is the cost of Workers’ Compensation limiting your profitability? Not only do you have the direct expense of premiums, but also the indirect expenses of lost production, employee distraction and claims management. A higher mod than expected raises your costs, without the opportunity to recoup the higher premiums. The Harry A. Koch Co. can actually reduce future costs so that you keep more of your profits and less goes out the door in terms of direct and indirect Worker’s Comp costs.

The Harry A. Koch Co. will show you the steps you can take to reduce your premiums, claims and indirect costs, while providing you with the tools to do it. In addition, we will do a full review of your mod worksheets for claim and payroll errors. And after the audit of your recently expired policy, we can calculate your mod for the next renewal. This allows you to better anticipate future costs. The end result: no surprises!

Bottom line: By controlling your Workers’ Compensation costs, you can increase your profitability.