The Employer Success Program
Underwriters keep a file on your company. Most owners have never seen it.
Do you know what's in yours?
Most companies with 50 to 500 employees carry the risk of a much bigger company, and nobody has the job of managing it. It gets split between the owner, the CFO, HR and operations. The Employer Success Program is how Duncan Financial Group fills that seat.
Fewer repeat injuries, claims and blind spots, measured against where you started.
Start a conversationSee what changed for companies like yoursMost owners call us after one of these.
- Few or no claims last year, and you're paying more anyway. Your claims record isn't the only thing being priced.What else is in the file
- The same injury keeps happening. Different employee, same job. Each one stays in your price for three years.The repeat problem
- The audit came back and you owe money you didn't budget for. Most audit bills get paid without anyone checking the math.Where audits go wrong
- One driver can raise the price on your whole fleet. The underwriter knows which one. You may not.Drivers and the fleet
- A contract you signed years ago made you responsible for someone else's mistake. Nobody reads that clause until there's a claim.How risk gets transferred
- If the building burned tonight, how long could you keep paying your people? Most owners have never checked. The ones who find out the hard way don't get a second try.What to check
See where you stand in five minutes
20 questions. You get a scored report on the spot.
What we do about it
Most companies don't have a claims problem. They have repeat problems, and blind spots nobody has checked. We find what keeps producing the claims and what nobody has looked at, and fix the process behind both. Then we make sure the underwriter can see what changed. Lower insurance cost follows the work. Shopping the policy alone won't fix them.
Why the “Employer” Success Program?
Because employees touch every part of your operation. Nearly every claim, every contract mistake and every blind spot starts with a person doing a job or not doing a job. It's simple: the better they perform, the better the company does.
Diagnostic and Plan
We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and the few things worth fixing first. Sometimes a problem costs more to fix than it's costing you. We'll tell you that.
All year, not just at renewal
Our claims, HR, safety and fleet people work alongside yours on the plan. Hiring, return to work, supervisors, contracts, whatever the pattern points to. The insurance gets placed once an underwriter can see the difference.
The Score Card
A baseline at the start, a Score Card every year after and a results review every quarter. Injuries, claims, the mod and what you pay, measured against your own starting point. Not against an industry average.
$70 million
Since 2004, our clients have saved more than $70 million in premiums and overcharges.
Sixteen injuries a year down to one or two. A $421,000 workers' comp renewal came down to a $172,000 premium.
Read the story24 injuries a year, then two years with none. Premium went from a $292,000 renewal offer to $73,000.
Read the story“If I was still with that old program, I would be out of business today.” Ken Clifton, after a fire destroyed his building.
Read the storyEach result is that client's own, measured against where they started. Yours will depend on your operation.
If you'd rather watch
Who leads it
David R. Leng, CPCU, CIC, CBWA, CRM, MWCA, is Chief Risk Officer at Duncan Financial Group in Irwin, Pennsylvania. He has spent more than 35 years in risk management and insurance and has written four books on business risk, recovery and cost. In 2008 the Institute of WorkComp Professionals named Duncan its Advisor of the Year for the results of this process.
Messages sent through this site come to him, and he answers them himself.
Start with a conversation
Tell me what's going on. I read these myself and reply within two business days. If there's nothing worth fixing, I'll tell you that too.