You Can Save 20%-50% on Your Workers' Compensation Costs!

Your Ultimate Guide to Mastering Workers' Compensation Costs is the risk management industry's #1 training manual.

Our guidebooks, based on decades of the combined hands-on field experience of the industry's leading cost-reduction expert and the most-respected professional organization, covers how to:

  Assess your workers' compensation program.

  Design the most cost-impacting strategy.

  Roll out comprehensive changes to your organization.

  Monitor and manage the program going forward.

Learn the Basics of Workers Comp

Purpose of Workers’ Compensation
Who Pays for Workers’ Compensation
Parties Involved in Workers’ Compensation
Benefits for the Employer
Independent Contractors
Benefits for the Employee
Injuries Covered
Determining Compensability
Aggravation vs. Exacerbation
Standard Defenses
How Losses Are Categorized
Types of Workers’ Compensation Insurance
How Losses Are Reported
Reducing Your Premium
Calculating Your Premium
How Mod Affects Your Premium
Good/Bad Mod Examples
Ways to Reduce Your Mod
Unit Statistical Date
Types of Insurance Structures
Voluntary Markets
Alternatives to Voluntary Markets
Collateral Requirements

Our Book Will Help You Answer These Questions:

Can you define the purpose of workers’ compensation?
Do you know who pays for workers’ comp?
Can you identify the seven main parties involved in the program?
What are the five benefits to the employer?
Do you know the 10 differences between an employee and an independent contractor?
What are four types of benefits paid to injured workers?
Can you distinguish between the various types of covered injuries?
How is a work-related injury defined?
What is the difference between aggravation and exacerbation of claims?
Do you know the difference between statutory coverage and employer’s liability coverage?
How does Federal Employee’s Compensation differ?
There are six ways losses are categorized. Do you know them?
How are losses reported?
What is meant by “mod” and how does it affect your premium?
Can you name the 13 types of insurance structures?

More questions that our book answers: Table of Contents.

Small and Large Companies Reduce Costs with Our Manual

To see the full list of the hundreds of small, mid-size, and large companies that have benefited from our book, go to our Clients page.


Risk Managers and Safety Directors use this book to train supervisors in workers compensation claims management. They learn more about their area of responsibility – post-loss cost containment – adding to their overall knowledge. This book is also used to get management commitment in rolling out a Return-to-Work program, one of the biggest cost savings areas relating to Workers Compensation costs.

Brokers, Agents, Adjusters, and Consultants use this book for prospecting and to learn about specific aspects of cost containment; and by passing their knowledge on to their clients. For example, when discussing how to develop a Return-to-Work program and a client asks about "off-site return-to-work programs," the broker quickly finds the section in the book, reviews it, and passes the answer on to the client, along with a copy of the cost containment book. The book becomes a "lesson plan" tool.

Producers and Account Executives give the book to prospects during formal presentations to illustrate how their company is on top of workers compensation issues. The book also makes a good client gift.

New Post-Injury Tool

Get Well Cards (Package of 10)

Get Well Cards (Package of 10)

As part of a comprehensive workers compensation program, employers should maintain close communications with injured employees to ensure they recover quickly, do not drop out of the workforce and and return to work rapidly. Get Well Cards are part … [Read More...]

More Help to Reduce Costs

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