Free Workers' Compensation Consultation — Legal Services

Yes. PCI Consultants offers a free 30-minute call with no fee and no obligation. We use it to understand your current premium, employee count, loss history, open claims, and renewal timing, and to tell you honestly whether we can help. Here is a detail most brokers skip over: PCI is paid by commission from the insurer, not by you and not tied to how your claims play out. That means we are not sitting on the same side of the table as the carrier, who will usually pay a claim at close to face value and call it a win. If a paid engagement makes sense, we quote it separately after the call, there is nothing to buy to book the consultation.

The call is built for employers with 100+ employees and at least $100,000 in annual workers compensation premium, the point where poor claims handling and a rising experience mod start costing real money. It fits CFOs, COOs, HR leaders, and owners in high-injury industries best, which for us usually means healthcare: nursing homes, home health agencies, and hospitals, where a single lifting injury can distort a loss run for years. If you run multiple locations under one owner, say several nursing homes, we also look at whether consolidating into a single master policy earns you better terms.

We review your current premium, employee count, industry, loss ratio, experience modification factor, open-claim reserves, class codes, and renewal date. The most valuable part is usually the claims discussion. Insurers often carry a reserve at what we call the lawyer number, a $250,000 figure on a claim whose real medical cost is closer to $30,000, paid incrementally at roughly $1,500 to $2,000 a month rather than as a lump sum. When PCI manages the claim directly, we work to close that gap between the scary reserve and the actual spend, which is what protects your loss history and your future premium.

The call itself is not a formal audit, but it tells us fast whether a deeper review is worth your time. What we can explain is how we would handle things differently going forward. When an incident happens, the employer calls PCI, not the carrier, we evaluate it the same day and, when appropriate, send the injured worker straight to urgent care so there is an accurate, timely medical record. That record is what stops a real strain from being exaggerated into a career-ending claim weeks later. Genuine injuries get paid without a fight; exaggerated or fraudulent ones get investigated and contested. Individual results vary, but that day-one discipline is where most of the savings begin.

Two documents do most of the work: a copy of your current workers compensation policy and your five-year loss runs. Recent premium amounts, your EMR worksheet, any renewal quote, and payroll audit paperwork help too, but the policy and loss runs are what let us quote or model a takeover. You do not need everything to book the call, but bringing those two lets us move from a general conversation to a specific read on where your dollars are going.

PCI Consultants is a workers compensation broker and program administrator, not the insurance carrier and not a law firm, nothing here substitutes for advice from your own attorney. What sets us apart from a typical broker is that we manage the claim directly for the life of the policy: you call us, we handle the insurer. Policies are placed and underwritten through A+ rated carriers where applicable, but the day-to-day claims advocacy that actually moves your cost is ours. You can read more about how that works on our workers' compensation claims management page.

Yes. PCI serves employers across the US, with a primary footprint in New York and New Jersey and active programs nationwide through A+ rated carrier relationships such as Travelers and others. State-specific issues may involve NCCI or independent rating bureaus such as NYCIRB, NJCRIB, WCIRB, PCRB, or Texas rules, the mechanics differ, but the core work of managing claims tightly and classifying your workforce by real risk travels across state lines. Our NCCI experience rating page covers how the mod is calculated.

The best time is before renewal, but employers also call after a large audit bill, when open claims are inflating reserves, or when the EMR has climbed. One reason to move early: once your premium rises after a claim, it rarely comes all the way back down even after the claim resolves, that is a multi-year cost, not a one-year bump. Getting ahead of renewal gives us time to clean up the loss run, push a light-duty return-to-work plan, and, for qualifying businesses, model a high-deductible structure before the underwriter locks in your number. See our return-to-work program page for how faster transitions cut real claim cost.