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A Comprehensive Approach to Workers Compensation

Workers Compensation insurance, designed to cover businesses if a worker gets injured on the job, represents a major expenditure for firms across all industry sectors. This is particularly true in California which, on average, has the highest Comp rates in the country due to the frequency of permanent disability claims, a more prolonged pattern of medical treatments, and much higher than average costs of claims handling. 

A number of factors go into determining your comp rate including your company’s loss history; how your losses compare to other companies within your industry; job classifications; and emerging issues impacting the frequency and severity of claims such as rising medical costs. 

How Can Arroyo Help Manage Your Workers Comp Costs?

There are several measures we’ll undertake to mitigate your risks and manage your costs:

  • Along with our carrier partners, we can provide assistance in setting up an accident investigation program, safety inspections, and additional strategies to help reduce on-the-job accidents and get employees back to work as soon as possible.
  • Analyze past claims to determine where exposures lie and what can be done to reduce any patterns of injury.
  • Work with you to pinpoint red flags that may indicate where your business may be at risk for fraudulent claims or vulnerabilities in your safety processes.
  • Conduct a comprehensive review of all of your documents, including your current Workers Comp policy, your experience modification worksheet, payroll audits, classification descriptions and any loss-sensitive rating adjustments, to see where we can make improvements and where there may have been problems or miscalculations.

We have a proven track record of catching audit errors and experience modification calculations errors – with the simple goal of putting premium dollars back in your pockets.

Depending on the size and organizational structure of the business, we offer clients various Workers Compensation options. This includes standard Guaranteed Cost Programs, Small and Intermediate Deductible Plans, Large Deductible Programs, and Self Insured Programs.