Workers Compensation Insurance, a requirement in the State of California for
all W-2 employees - servicing Sacramento Area to Modesto, Stockton, Fresno, Bakersfield, Los Angeles, San Diego and more.
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Bozzuto Insurance Agency will provide the services and guidance to your
Company and its employees in an effort to keep your Workers Compensation
costs down. With our expertise and through our partnerships we can gain more control over potential claims and your experience mod. We can accomplish this
by providing you with the following:
Experience Mod Audits
The California experience rating system is a merit rating system that
provides employers an opportunity to
reduce their premiums by preventing
injuries and managing claims.
●
Experience Mod Calculations and
Projections
●
Review X-Mod Worksheets for
accuracy
●
Payroll and Earned Premium Audit
Loss Control / Risk Management
● Developing an up to date Injury and
Illness Preventative Program (IIPP)
● Creating a Return-To-Work Program
● Implementing Safety Training to
Supervisor and Staff.
● Review and analyze loss runs for
claims trends
● Auditing open claims
● Putting together a plan for resolving
open claims
● Setting you up with a Medical Provider
Network (MPN)
With the implementation of these services we can mitigate future claims and work together at gaining control of your workers compensation premiums.
Bozzuto Insurance Agency
9300 Madison Avenue, Suite 100
Orangevale, CA 95662
info@bozzutoinsurance.com
800-400-6394
with your insurance needs...
Workers Compensation Insurance
Covering the entire state of California.
This includes all city metro areas including Eureka, Redding, Chico, Sacramento, Lake Tahoe, Modesto, Stockton, Fresno, Santa Barbara, Bakersfield, Los Angeles, Anaheim, Santa Ana, Palm Springs and San Diego. We are also licensed to provide insurance in the states of Nevada, Arizona and Oregon.
Workers Compensation
Workers Compensation - Premium Audit
Is your company due a refund from your insurance company ? If any of the following is true you may be eligible for a refund:
●
Your annual premium is around $50,000 or more
● Your Experience Modification is greater than 1.00
● Your Experience Modification is between .60 and .99, but has been rising over
the past several years
● Your policy has Incorrect Discounts, Rate Deviations, Schedule Ratings, Rate
Differentials, Second Injury Fund Surcharges, PPAP/ARAP etc.
● Your business employs blue-collar workers
● Your classification changed to a more expensive one after the policy began
● Recently, your classification changed to a less-expensive one (and now you're
wondering if your company's past years should be in the less expensive class
as well)
● You have, at some point, cancelled a policy mid-term and started a new
policy date
● There have been recent changes in ownership of the business
● Within the last 3 years, you've merged with another firm
● There have been recent changes in business operation
● Some of your operations have closed over the years
● Your operations have been expanded into new states
People make mistakes and those errors add up. With the high cost of premiums, even the smallest of errors can have a huge impact on your premium.
These same mistakes will generally keep getting repeated on every annual premium for the foreseeable future.
Our goal is to save you money. We work with employers and their risk managers, HR directors and finance teams etc., to perform audits for any company with premiums starting at around $50,000 or more. We look at your records for past years, find the mistakes, and get you substantial refunds. Going back many years can mean 6 to 7 figures of savings.
Insurance
companies are profiting everyday
on their very own mistakes. Statistics show that nearly 80% of all companies according to our findings are being overcharged for workers compensation insurance without the company (or the insurance company) even knowing it. These errors are usually due to human errors in the premium calculations.
Bozzuto Insurance Agency Premium Recovery Audit is a risk-free, no hassle way to get your money back. Here is how we help you :
● Identify errors made by insurance companies on the current and prior years'
policies
● Obtain refunds owed to you for money you've overpaid up to 6 years back
● Reduce the cost of the current and future years' premiums
● Cut costs and get your money back in a short time, all without changing your
current insurance carrier
Bozzuto Insurance Agency will provide a Premium Recovery Audit in an effort to
keep your Workers Compensation Insurance costs down and reported correctly.
With our expertise and through our partnerships, we can provide you with more
control over potential claims, experience mod calculation, accurate class code
reporting and much more.
We work on a contingency-fee basis, so if you don't get paid, neither do we.
Give us a call today, and we'll help you get your money out of your insurance company's pocket and into yours.
Workers Comp - First Aid - Saving Money
A. Ask about Our Detailed Review Program !
Providing you a means to Save Money
by reviewing your First Aid bills against the California Medical Fee Schedule and then
reducing those bills.
Fees are based on a percentage of savings,
if there is no reduction, there is no fee !
Call us now to learn more about our First Aid
bill review !
B. Don't have a First Aid Program - read on.
Such a plan could reduce your Workers
Compensation Insurance payments - saving
you money.
All Workers Comp claims paid by your
insurance company under $2001 go into the
experience modification calculation on a
dollar for dollar basis and are factored into
the experience modification for the NEXT
THREE YEARS.
As one mod point can equate to one percent
of the premium, there is a strong incentive
for employers to reduce their experience modification by paying First Aid claims themselves whenever legally permissible.
Section 5401 of the California Labor Code
defines first aid as follows :
"any one-time treatment, and any follow up
visit for the purpose of observation of minor
scratches, cuts, burns and splinters or other
minor industrial injuries, which do not
ordinarily require medical care. This one-time treatment, and follow-up for the purpose of observation, is considered first aid even though provided by a physician or registered
professional personnel."
The distinction between first aid and medical treatment is based on the type of treatment
that an employee receives, not whether or not a physician was seen.
Although it takes some time and coordination,
the financial reward for implementing a First
Aid Program is worth the effort in savings.
We look forward to working with you in this
new and exciting program.
Call us now for more information on implementing your First Aid Program !