Employees are key to a business’s success. It makes sense that having the right safety culture, training, and support is essential to keeping employees engaged and insurance costs contained. At Wilson Insurance, we work with businesses to identify behavior that leads to financial leakage and provide solutions that reduce your overall risk. We implement strategies that support your objectives and drive your team to operational success.
Together we can find solutions to address your insurance coverage and budget requirements.
We don’t want you to pay more than you should either. We will steer you towards savings
We have been helping Arizona business owners for almost 40 years. We are your local insurance advocates.
An experience modification rating is sometimes referred to as an EMR, e-mod, or EMOD. It is a factor that is awarded by the National Council on Compensation Insurance (NCCI). Your EMOD awards or debits your manual workers’ compensation premium based on your 3-year claim history reported to the Industrial Commission of Arizona and your insurance company. The better your claim history, the lower your EMOD. The lower your EMOD, the lower your total cost of insurance is.
Curious about what your EMOD is and what claims are driving your score? Companies can order their free EMOD worksheet by contacting NCCI at 800-622-4123 (option 4)
Feel free to send vendor packets and COI requests to [email protected]. Our dedicated COI specialist will quickly rush a certificate out that will include the applicable policy forms for review. If you do not have the required coverage, we will notify you what the cost will be to add coverage.
If you suspect an employee has committed fraud, let your insurance claim adjuster know. Insurance companies have internal Special Investigative Units that research insurance fraud. Additionally, you can file a fraud complaint with the Arizona Department of Insurance’s Fraud Unit.
If you are obtaining certificates of insurance for them, you don’t. If you are not, then your 1099 subcontractors are uninsured and their WC liability flows upstream to you whether or not you list their payroll on your policy at not. The Industrial Commission of Arizona provides clarity on 1099 workers and WC coverage.
Yes! In fact, sole-proprietors and partners are automatically excluded from WC coverage in Arizona.
Yes! It comes down to risk funding. If you got injured on the job, do you have the funds to service a work-related injury for the rest of your life?
Return to Work programs discourage employees from sitting at home collecting indemnity payments. This drives your insurance costs up. The faster employees get back to work, the better it is for everyone even if returning to work means light-duty work.
Nurse triage services reduce insurance costs and reduce the frequency of claims. They offer guidance to injured workers and their supervisors on non-emergency injuries. They help direct injured workers to the closest facility that is within network. They complete the first notice of injury paperwork which streamlines the claims process.
Yes. If your insurance agent used an incorrect class code that does not contemplate your business operations, auditors can readjust your policy so it is written correctly. This may result in a change of premium.
The first thing to do is ask. If you feel your WC audit is incorrect, let us know so we can review your file. Oftentimes WC disputes can be resolved quickly with clarifying information or a call to NCCI to verify the correct class code was used.
If your agent isn’t providing premium audit advocacy for you, you could benefit from working with Wilson Insurance.
If you are a sole proprietor or single-member LLC, you are not required to carry WC insurance in Arizona per A.R.S. § 23-901 (et. seq.) and A.R.S. § 23-961(M). If you are required to carry WC insurance as a COI condition and your vendor will not accept your signed WC waiver, some companies offer policies that provide WC coverage but exclude the sole proprietor or single-member LLC. Yes, it is a $1,200 policy you can’t use. But you can be in COI compliance with it.
The short answer is by having fewer claims and ensuring that all information on your NCCI Workers Compensation Worksheet is accurate. The long answer is identifying the behavior that is causing financial leakage within your firm and implementing policies like Return to Work to stop claims from developing in the first place. Like fly fishing or playing the piano, lowering your EMOD is a learned skill we have honed at Wilson Insurance that we are happy to teach you.
Title 23, Chapter 2, Article 14 of the Arizona Revised statutes states that insurance companies can provide a 5% Drug and Alcohol Program if you meet certain criteria. We can send you the form to see if you qualify.
