For New York employers paying high workers' compensation premiums, PCI Consultants places coverage through A+ rated carriers and then actively manages it, you call PCI, not the insurer, for the life of the policy. From Brooklyn, PCI helps 100+ employee healthcare, home care, and other high-rate operations correct NYCIRB mod errors, handle claims directly with day-one medical records and fast light-duty return-to-work, and structure high-deductible programs for qualifying businesses that improve cash flow and long-term premium performance.
Strategic workers' compensation consulting for New York employers who want lower premiums and a broker who actually manages the claims.
For qualifying New York employers, PCI structures high-deductible policies through A+ rated carriers, you retain a defined first layer (e.g. the first $150K–$250K), the carrier covers the rest, and underwriting premium can fall sharply. Not every business qualifies, and PCI administers the retained claims directly.
PCI audits New York loss runs, open reserves, and NYCIRB rating inputs to find the errors and stale reserves inflating your experience mod, the multi-year cost that rarely reverses once a claim pushes it up.
You call PCI, not the carrier. Our in-house team evaluates each incident immediately, builds an accurate day-one medical record, pays legitimate claims without dispute, and investigates exaggerated ones instead of rubber-stamping the face-value figure.
PCI segments your workforce by real risk and audits class codes against actual duties and payroll splits, so clerical and low-risk staff aren't billed at a nurse's or laborer's rate and inflating your New York premium.
PCI defends final payroll audits by documenting exclusions, overtime treatment, subcontractor coverage, and class-code splits before a disputed carrier true-up becomes an accepted charge you're stuck paying.
PCI builds light-duty job banks that move an injured worker, say a nurse into a receptionist-type role, back to productive work within weeks, sharply cutting indemnity cost and long-tail claim exposure. Individual results vary.
It starts with a 30-minute discovery call plus your current New York policy and five-year loss runs. PCI reviews your premium level, headcount, open claims, renewal timing, and whether a deductible or claims-control strategy fits.
PCI Consultants combines insurance strategy, direct claims handling, and NYCIRB-focused rating control for measurable premium impact.
Led by Michael Sobel, PCI brings over 30 years of workers compensation and risk expertise to New York employers.
Brooklyn-based advisors who know New York's high manual rates and how NYCIRB mod mechanics drive your renewal.
Policies are placed through A+ rated carriers such as Travelers, so your coverage stays credible for contracts and lenders.
You call us, not the insurer. In-house risk managers handle each claim directly, correcting inflated reserves before they inflate your future premium.
Experienced leadership for complex workers compensation programs.
CEO
Michael Sobel is the CEO of PCI Consultants LLC, bringing over 30 years of experience across both public and private sectors in workers compensation insurance and risk management. He is the driving force behind the firm's client relationships, facilitating seamless communication between clients, customers, and businesses to achieve measurable objectives. Michael's expertise spans management consultation, team building, professional development, strategic implementation, and company collaboration. He is deeply involved in the hands-on development of risk models covering market, credit, and operational risk, ensuring that internal controls operate effectively while providing ongoing research and analytical support. Michael's leadership has helped PCI Consultants grow to over 80 active programs, delivering substantial premium savings and long-term value to organizations across the country.
In New York your premium is built from payroll by class code, the NYCIRB manual rate for each code, your experience modification factor, carrier pricing, and how the policy is structured. The part the insurance company won't push you on is that most of those inputs are controllable: miscoded clerical staff paying a nurse's rate, open reserves left sitting on closed injuries, and claims that dragged on because nobody managed them. PCI attacks those drivers directly. Some high-rate New York employers have moved from a $500K annual premium toward a $150K–$200K structure once the inputs were corrected, individual results vary with your loss history and payroll.
Send your current New York policy and five-year loss runs and we'll show you exactly where the premium and claim dollars are leaking.
Policies issued through financially strong carrier partners
Decades of workers compensation and risk experience
Active programs demonstrate ongoing client adoption
Send a copy of your current workers' comp policy and five years of loss runs, along with your headcount and renewal timing. PCI Consultants will review your premium, your NYCIRB mod, and your open claims and tell you straight whether a premium reduction, deductible structure, or claims takeover fits your organization.
For immediate assistance, feel free to give us a direct call at 917-613-8580.
For immediate assistance, feel free to give us a direct call at 917-613-8580.