The Employer Success Program
We find the blind spots that slow growth, drain profits, and can put a company out of business.
In companies with 50 to 500 employees, responsibility for injuries, claims, contracts and recovery usually sits across the owner, the CFO, HR and operations. Each sees part of the picture.
Duncan Financial Group's Employer Success Program serves as your outsourced Chief Risk Officer, bringing those pieces into one plan.
Book 30 minutes with DavidSee what changed for companies like yoursA Teams conversation with David Leng. No documents needed to book.
What a blind spot looks like
An injury's cost can reach payroll, production and management time long before it reaches your next insurance renewal.
The same injury keeps taking people off the job.
Someone covers the shift, the work gets rearranged, the claim gets reported. Nothing about the job changes, so it happens again to the next person.
The repeat problemA contract made you responsible for someone else's mistake.
Indemnity, additional insured wording, a waiver nobody read. Most owners find out what they signed when the claim shows up.
Where contracts go wrongThe insurance rebuilds the building. Then the cash runs out.
Payroll, rent and suppliers keep coming due after you reopen, while sales and collections are still catching up. A good year doesn't tell you whether the money lasts that long.
How these businesses recoveredWhat companies like yours got back
Over $70 million saved since 2004
Premium reductions and recovered overcharges for our clients.
Premiums that came down, and overcharges returned.
Fewer injuries, fewer open shifts, less management time on the same problem. An improved mod can help you qualify for work with bidding requirements.
Evacuation plans and drills, coverage built around what it really takes to rebuild, and a check on whether the cash lasts past the reopening, until customers and cash flow come back.
59% lower premium
Renewal offer vs. premium several years into the program
16 injuries a year, down to one or two
Caregivers were getting hurt in their first weeks and in unsafe client homes. Hiring, training, a home safety process and return to work changed that.
A $421,000 workers' comp renewal offer came down to a $172,000 premium.
Read the story75% lower premium
Renewal offer vs. premium several years into the program
24 injuries a year, then two years with none
The mod fell from 1.483 to 0.727.
Premium went from a $292,000 renewal offer to $73,000.
Read the storyAll 33 got out
And the business came back
The evacuation plan and drills went in three weeks before a fire took the building. His old program would have left him more than $3 million short.
“If I was still with that old program, I would be out of business today.”
Ken Clifton, Owner, CCF Industries
Read Ken's storyDuncan met with me and my employees, toured my facility and put together an aggressive Risk Solutions Business Plan. They started implementing immediately and are in our plant several times each and every month.
Robert Gottlieb, CEO, Gottlieb, Inc.
Gottlieb, Inc. saved $57,494 on its next renewal, 42% of its premium.
Back in contention for larger contracts. Large corporations required a mod of 1.00 or lower to bid. Theirs was 1.21. Two years later it was 0.93.
Read the storyEach result is that client's own, measured against where they started. Yours will depend on your operation. See all 19 case studies
What we do about it
The claim is usually just the part you can see. Underneath it is a process that keeps producing it, and next to it are the blind spots nobody has checked: the contract, the recovery plan, the worksheet.
We find both and fix the process behind them. Then we make sure the underwriter can see what changed. That gives us evidence to pursue better insurance terms. Shopping the policy alone won't get you there.
Why the “Employer” Success Program?
Because employees touch every part of your operation, and how they're hired, trained and supervised shows up somewhere in your costs. The better your people perform, the better the company does. When leaders follow through and supervisors fix causes instead of blaming people, the improvements last. How the improvements last
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 specialists work alongside your managers throughout the year on the agreed plan. We bring the expertise and much of the legwork. Your managers carry out the changes in their departments, starting with the one or two priorities worth the most.
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.
Who leads it
David R. Leng, CPCU, CIC, CBWA, CRM, MWCA, is Chief Risk Officer and Executive Vice President at Duncan Financial Group in Irwin, Pennsylvania. Five months out of college, he pulled into a manufacturing plant that should have been loud and found it silent. A worker had been killed. That is why he does this work. The full story
What keeps landing back on your desk?
An injury that keeps repeating. A cost nobody can explain. A contract that doesn't sit right. Wondering what would happen after a major loss. Start there.
In 30 minutes on Teams we'll talk through what's happening, what you've already tried, and whether a closer look is worth it.
Book 30 minutes with David Or start with the five-minute self-check
Rather send a message?
Tell me a little about your company and what's going on. I read these myself and reply within two business days.