Since 1913, Suhr Risk Services has been setting the standard in the California Workers’ Compensation marketplace. Traditional brokers have focused largely on chasing the lowest rates while excluding the risk specific solutions to the cause and expense of claims. The Suhr Risk Services team of experts has successfully developed innovative and practical loss control and loss reduction techniques, as well as customized procedural solutions to lower the overall cost of risk.

Insurance companies are required by law to maintain adequate reserves. There are severe penalties for insurance companies who under reserve claim costs. Actual claim incurred costs, along with estimated reserves are reported to the Workers’ Compensation Insurance Rating Bureau and are utilized in the calculation of the Experience Modification Rating factor of an individual firm. Excessively reserved cases, therefore, have an adverse impact by increasing the experience modification factor, which ultimately leads to increased insurance costs to any given employer.

Without overlooking the importance of risk financing, we focus our emphasis on strategies specific to the complexities of the Workers’ Compensation system; giving our clients far greater control over their workers’ compensation costs. These solutions, in tandem with our market presence, lead to sustainable cost savings for our clients.

Representing the largest Workers' Compensation carriers in the State of California, coupled with our extensive out-of-state facilities, Suhr Risk Services is well positioned to guide our clients through the volatile Workers' Compensation marketplace.

Many of the services we offer to our clients include:

Development, implementation and management of the open claims review process
Industry Benchmarking
Streamlining of claim reporting procedures
Experience Modification projections, post calculation review and correction management
Fraudulent claim identification and tracking procedures
Classification inspection worksheet review
Legislative analysis
Return to work and safety incentives
Ergonomic programs
Fleet safety programs
Safety program management reviews
Safety and health-related training
Accident/loss statistical analysis
Facility surveys for hazard identification
Return-to-work programs
Claim investigation to discourage fraud

If you'd like an aggressive, proactive approach to the management of your Workers' Compensation account, contact Mike Panza, ARM at (800) 788-1170 or e-mail him at mike.panza@insuhr.com.