Workers Compensation Insurance

• Competitive Pricing on Traditional Workers Compensation Insurance
• Creative Funding Devices for Larger Risks Including
  - Retrospective Rating Plans
  - Large Deductible Policies
  - Self Insurance

Workers compensation benefits represent only a small fraction of the actual cost of a workplace injury. Studies show that the real cost of a workplace injury is up to seven times what the insurance company actually pays out on a given claim.

You pay the rest!

How?

- OSHA record keeping
- OSHA and insurance company reporting
- accident investigation
- loss of productivity of uninjured workers proximate to injury site
- loss of productivity from moving inexperienced worker to replace injured worker
- increased accident frequency among inexperienced replacement workers
- your administrative time in following up with injured worker
- increased cost of workers compensation insurance
- possible damage to customer relationship if production/delivery schedules aren't met
- etc. etc. etc.

At Paye, Fischer & Krause we believe that managing the hazard is more cost effective than managing the accidents they produce.

Call us with your workers compensation challenges.