Our Approach

Our advisors will help you gain clarity and confidence around the complexity of workers' compensation by:

Uncovering Risks and Threats

Prioritizing Objectives

Developing Strategies to Improve and Grow

How We Can Help

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Experience Modification Review

It’s important to understand and monitor your Experience Modification Rate (Experience Mod/E-Mod) because it has a direct impact on how much you pay in workers’ compensation premiums. Our advisors will work with you to:

  • Analyze your business's current E-Mod.
  • Understand how your loss history affects your E-Mod and your bottom line.
  • Identify problem areas.
  • Develop targeted solutions to improve problem areas that will help reduce your premiums and claims costs.
  • Determine how your E-Mod fits into your total risk management strategy.
LEARN MORE Click here to learn more about experience modification analysis.
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Claims Advocacy

In large, complex claims circumstances, our specialized claims team can reinforce control over your business’s claims outcomes. We'll work with you to develop strategies to lessen or eliminate potential issues that could lead to money out of your pocket, including:

  • Claims reporting
  • Case management
  • Cost containment
  • Control of Experience Modification Rate
  • Historical trend analysis
LEARN MORE Click here to learn more about our claims advocacy solutions.
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Risk Management

It's important to stay in compliance, protect your business and employees, reinforce procedures, and mitigate your workers' compensation costs. Our advisors will work with you on the following risk management solutions:

  • Safety plan
  • Experience Modification Rate
  • OSHA compliance
  • Accident investigations
  • Fleet compliance and training
  • Information protection and privacy
LEARN MORE Click here to learn more about our risk management solutions.
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Employer Resources

Through our online employer resource portal, we provide access to:

  • Educational materials such as legislative briefs on the latest development, risk management advice and coverage education
  • Employee communications such as monthly newsletters and safety program materials
  • Other materials including benchmark surveys and an online forum to connect to other risk management professionals 

We can also help you with...

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Business Insurance

In the current environment of rising litigation costs, your business needs a proven risk management partner to keep you informed of changing regulations. We can help you understand how these changing regulations may impact your business in order to develop and maintain a comprehensive business insurance program. 

Learn More about business insurance options.
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Employee Benefits

With the current war for talent, your employee benefits plan is a critical component of attracting and retaining high-performing employees. We work closely with you to put together a long-term plan for your employee benefits program that aligns with your company’s strategic goals.

LEARN MORE about Employee Benefits.
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Business Financing

As a business owner, you may aspire to expand your company or acquire new equipment. Make your dreams a reality with our flexible financing options for businesses.

Learn More about business financing options.
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Alternative Risk Financing

Meet the strategic needs of your business with customized risk financing options as an alternative to traditional insurance.

LEARN MORE about Alternative Risk Financing.
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Industry Solutions

Our experienced team of advisors specialize in providing customized banking, wealth and insurance solutions for a variety of different industries.

LEARN MORE Click to learn more about Johnson Financial Group's industry solutions

Related Resources

Have Questions?

We're here to help. 

Call us at 888.769.3796 and select option 3.

EMAIL US
Ruth Vorwald
Ruth Vorwald, VP Commercial Insurance Consultant, Kenosha, WI

Your Property and Casualty Advisor

As an independent insurance agency, our advisors are able to design, compare and present customized insurance solutions that help protect you and your organization.

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