Insurance Policy and Risk Program Review
In order to manage your risks, you must first know what your risks are. Therefore, a thorough review of your program and policy is essential to ensure that proper controls are in place to mitigate and address these risks. Here at Unified RMG we conduct a thorough risk assessment of our client’s insurance portfolio to ensure their organization are protected from the unknown. These assessments include but not limited to.
· QA and compliance scoring for Carrier/TPA
· Review best practice guidelines for adjudication by state
· Program audit covering exposures and insurance policies
· Review and/or recommend modifications or additional coverage for specific exposures
or gaps in coverage
· Determining risks of financial loss from all properties and operations,and reviewing
cost-saving alternatives to insurance
· Orchestrating the competitive marketing of the risk management program,from
development of custom specifications, to insurance company, and broker selection
· Review and analyzed proposals, negotiation, recommendation, and selection by the
client of the placement of the program
Loss Control & Safety
Unified RMG take into account both aspects to the cost of employee safety; workers’ compensation performance, and regulatory compliance. By analyzing Loss Control and Prevention, as well as identifying and evaluating our client's environmental exposures, we are able to make recommendations to assist our client in reducing both the severity and frequency of claims.
· Claims and safety bench-marking
· On-Site safety consultation and inspection services
· Regulatory compliance program development and implementation
· Safety Program development and implementation
· Return to Work/Light duty program development
Claims Management
Unified RMG emphasizes the need for the employer to play a key role in the successful management of their workers’ compensation claim, however not all employers may be well versed in the laws and procedures governing the adjudication of claims. Our Claim Management and Reserve Adequacy Audits continues to provide our clients the peace of mind they need when entrusting their claim processing services to a third party. Our claims consultants are all licensed claims professionals that have the experience to set up the employer protocols, and train staff on ways to reduce litigation risks, maintain a strong employee-employer relationship, and successfully manage your worker’s compensation program.
· Employer new loss reporting protocols
· Vendor and Ancillary services vetting and management
· Client accident investigation process
· Proper communication protocols with carrier adjuster
· Jurisdictional wage statement creation
· Return to Work program implementation
· Litigation process participation assistance
· On-Site and Webinar Training Services for employees and vendor partners
· OSHA Outreach Training