Our advisors will help you gain clarity and confidence around the complexity of workers' compensation by:
How We Can Help
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.
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
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
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...
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.
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.
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.
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
Impairment at Work: Effects of Marijuana Use on Worker Safety
For insights into the implications marijuana legislation may have on your organization, view a recording of our recent webinar.VIEW WEBINAR
The Impact of OSHA's About-Face on Post-Incident Drug Testing Policies
Employers who've avoided post‐incident drug testing and workplace safety incentive programs for fear of violating OSHA regulations are now more empowered to put such programs into place.READ MORE Click here to read more about OSHA's about face on post-incident drug testing policies.
Experience Modification Factor Explained
Learn more about how your company's experience modification factor can impact your workers' compensation premiums.READ MORE Click here to read more about experience modification rates.
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.FIND AN ADVISOR