"We squeeze every benefit into the cost, then shrink the cost to the barest legal minimum"

The Workers’ Compensation System is unpredictable and unfair. The system is inconsistent in its treatment of employees and employers generally based on which doctor or lawyer they see. It rewards attorneys when injured workers go on disability even when they have only sought medical treatment.  In essence, the system provides the attorney with no compensation for getting an injured worker back to work, but rather, pays them to find ways to have them unable to return to work.

Suhr Risk Services has developed and trademarked a unique program to allow business owners to retake control of their long-term cost of workers compensation insurance. With spiraling Workers Compensation expenses, our system provides the tools and manpower necessary to drive down Workers Compensation cost to the lowest legal level and provide your firm with a plan for long-term risk reduction. Our trademarked systems, programs and firms reputation are widely recognized as the pinnacle of the industry. Our systems, combined with your commitments will make your company much more attractive to the insurance marketplace than your competition, leading to you obtaining the best possible contracts at the lowest  legal minimum cost of risk.

With the Workers’ Comp that Works™ team supporting you before, during, and after claims, you are assured the best probable outcome for each claim. This support reduces not only current policy year costs but pays dividends to you for years to come.

Workers’ Comp that Works™ was founded on the general premise that INSURANCE COMPANIES DON'T PAY CLAIMS, YOU DO! THEY MERELY FINANCE THEM FOR YOU AT A HIGH RATE OF INTEREST. Once this is understood by the business owner then the fight against premium overpayment begins. Our system focuses on the following areas that lead to your overpayment of workers compensation:

The Nations Highest Workers’ Compensation Rates – California leads the nation in Workers Compensation expense.  In fact, some estimates put the annual cost of risk in California at over $30 Billion.

Experience Modification Factor - Many times, 60% or more, the experience modification factor for your business is incorrect and costing you money. If your modifier has not been audited by an expert then it is like sending all your tax information to the IRS and having them figure out what you owe in taxes!

Hiring Practices - We provide our members a turnkey system to improve current hiring methods. This includes background checks prior to employment via our website giving you powerful information about each applicant. We provide the proper employee file information to "suit proof" your business. A host of helpful hiring forms along with access to a wealth of hiring tips and guides, and access to experience professionals, serve as your resource during the hiring process. 

Temporary Transitional Work Program - Perhaps the single biggest area of premium leakage! Our system is designed to keep the injured worker involved in the business and not let them fall into the workers comp system "black hole". There are several critical points at which an injured worker considers hiring an attorney. Leaving this process up to the insurance companies and over worked adjusters can cost you tens of thousands of dollars.  Wih the implementation of SB899 there are even more financial incentives to reward employers who bring employees back to modified work.

Premium Audit - This area is greatly overlooked when discussing the overpayment of workers compensation. Many employers feel they know the rules and do a good job in this area. Workers comp costs are based on compensation, do you realize there are over 15 forms of compensation that often appear in payroll records that should be excluded from the audit? As an Workers’ Comp that Works member, you’ll be armed with the latest rules and have access to tools that can help identify frequent and common problem areas, you may be able to stop overpaying your premiums.

Business Culture - In our ever changing workplace, constant challenges arise when dealing with employees. Many business owners and human resource departments are ill equipped to handle the complex issues that arise. Our members have access to leading edge human resource tools, strategies, forms, and checklists designed to increase employee productivity and help eliminate your exposure to employee claims.

The trademarked, three phased Risk Reduction Approach™ will allow our team of professionals, in tandem with your other trusted advisors, to design and implement a strategic Value Added Services Plan. We are expertly staffed and aligned with individuals in the following disciplines:

• Workers’ Compensation Claims Management Expertise
• Directors and Officers Claims Management Expertise
• General Liability, Auto Liability and Property Claims Management Expertise
• Employment Practices Claims Management Expertise
• Licensed Private Investigator
• Loss Control Consulting Expertise
• Human Resource Consulting Expertise
• Employment Practices Legal Council
• Occupational Nurse Case Managers

Suhr Risk Services of California is based around our risk management teams utilization of the following resources to reduce your costs on both an immediate and long-term basis:

• Annual Letter of Engagement /Written Service Plan
• Quarterly Strategy Meetings
• Industry Experience
• Trusted Advisor Strategic Planning Sessions
• Circle of Service
• Federal Compliance
• Actuarial Services
• Technology Based Solutions
• Employee Direct Assistance
• Web Based Communication Tools
• Web Based Legislative Information
• Web Based Risk Management Tools
• Web Based Human Resource Tools
• Web Based Workers’ Compensation Procedures
• Web Based Workers’ Compensation Tools
• Access to Specialized Legal Council
• Account Manager Visits
• Member of Trusted Advisor Team
• Premier Client Status
• Senior Management Visits
• Experience Modification Audit
• Unit Stat Filing Management
• 24/7/365 Claims Service
• Quarterly Claims Review
• Annual Risk Survey
• Annual Business Interruption Worksheets
• Loss Control/Safety Committee
• OSHA Training and Reviews
• Coordinated Team Management Approach
• Slip and Fall Risk Management System
• Business Continuation Planning
• Benefits Program Administration
• Intrastate and International Placement, Risk and Claims Management Expertise
• Certificate of Insurance Management
• Contract Review
• Assistance with Complex Claims Management  Situations
• Open Enrollment  Management
• Consulting Services including Renewal Strategy
  & Industry Benchmarking
• Benefits Program Summaries & Contract Binders
• COBRA Administration
• Signature Ready 5500’s
• Knowledge of Your Business
• Total Employee Protection
• Updates on Federal and State Legislation
• Educational Seminars
• Internet-based Benefits Access & Administration
• International Benefits Consultation

If you are tired of being overcharged by the insurance industry for Workers' Compensation insurance then Workers’ Comp that Works™ is for you. What is the charge? Workers’ Comp that Works™ is designed for clients who maintain a minimum of $25,000.00 of total commissions and/or fees with our organization. The Risk Reduction Approach™ depth of services range with the complexity and revenue of the account. Call us today and find out what the insurance companies don't want you to know and 99% of the industry doesn’t understand.