Protect Your Company

Knowing the language adjusters speak and understanding how to effectively navigate claims issues are what makes the difference when a loss has occurred. By combining experience, know-how, and advocacy, EMOD Report provides clients with support that separates ordinary claims processing from genuine customer service.

Workers' Compensation Claims​

Effective claims management can reduce costs while maximizing the effectiveness of your internal workers' compensation management program. We structure a customized plan that provides you with exactly the right mix of tools designed to produce a significant impact.

Services include:

  1. Proactive review and monitoring of substantial new claims 
  2. Troubleshooting problematic or questionable claims, ensuring appropriate investigation
  3. Critical reserve review prior to WCIRB experience modification calculation
  4. Timely experience modification projections that help clients budget for the future
  5. Assistance in optimizing occupational medical providers
  6. Assistance with implementation of first aid and transitional work programs
  7. Facilitation of on-site claims review meetings
  8. Loss analysis and trend reports 

By establishing a collective services agreement, specific priorities and issues can be identified and addressed. This service agreement acts as our "report card" for performance throughout the year.

Property & Casualty Claims 

The same high level of service is also provided for property and casualty claims. Every client is assigned a dedicated claim advocate contact – an individual who will oversee every stage of the claim to ensure the carrier's actions are expeditious and the claim is resolved as favorably as possible.

Services include:

  1. Manage the claims reporting process to ensure comprehensive claim data is submitted, resulting in favorable results for the client 
  2. Work with adjusters to ensure timely response and prompt claim resolution
  3. Review reserves for appropriateness based on the type and severity of the claim
  4. Regular status reports through the life of the claim
  5. Advocacy when coverage is questionable or in dispute
  6. Pursue subrogation of claims to improve loss experience and remove claims from claim history, when appropriate
  7. Loss trend review for risk management program improvements
  8. Analyze and evaluate third party administrator partners for large self-insured retention clients

Accident & Loss Prevention Services

Loss control is a vital part of every risk management strategy. By lowering the frequency and severity of claims, you in turn lower your total cost of risk—both with reduced premiums and saved claims expenses. The specific loss control strategies for your business will be unique.

Our process begins with the following:

  • Identify areas of loss or exposure to your business
  • Enhance your current risk management program based on findings
  • Involve the underwriter in the relationship so they understand your business and the measures you are taking to mitigate claims
  • Implement personalized safety program materials and strategies

Creating a Safety Culture

You can have an effective safety culture when an organization's top leadership actively supports the safety program. By using behavior-based safety coaching techniques and by providing a structure around safety practices, you will create an awareness around safety that results in a reduction in injuries and illnesses. Our safety manuals play an important role in the process and provide much of the structure, incentive programs, and processes that will make your safety program a success. Our loss control team is comprised of highly qualified professionals who provide regional and national safety training and program implementation to businesses.

We invite you to contact us for an evaluation of your organization's risks. We would welcome the opportunity to use our in-depth safety experience and resources to create a customized program for your business.

Accident & Loss Prevention Services:

  • Prospective account surveys focusing on workers compensation, general liability, auto and property risks
  • Coordination of loss control services with agency, customer, and insurance carrier representatives
  • Agency training on various loss reduction techniques
  • Point of reference for agencies on loss control issues, questions, or concerns
  • Detailed claims review and summaries

OSHA Compliance:

  • Confined space
  • Hazard communication
  • Lock out/tag out
  • Respiratory protection
  • Hearing conservation
  • Fall protection
  • Record keeping

Premises Evaluation:

  • Self inspections and testing (onsite safety surveys)
  • Emergency evacuation planning
  • Life safety controls

Safety Training Classes:

Onsite or Offsite
  • Ergonomics
  • Material handling and back safety
  • Accident investigation
  • Injury review process and root cause analysis
  • Self-inspection strategies
  • Machine safeguarding
  • Disaster recovery planning
  • Early return to work
  • Substance abuse testing programs
  • Management commitment in accident prevention
  • Formalizing written safety programs