Most workers' comp premium isn't set by luck, it's set by what your claims actually pay out and how your payroll is classified. PCI Consultants lowers premium the way it truly comes down: handling claims directly from the day of injury, getting an accurate medical record before a claim can inflate, moving injured workers to light duty within weeks, contesting exaggerated claims while paying legitimate ones fast, and reviewing classifications so you're not overpaying on low-risk roles. For qualifying employers, high-deductible programs through A+ rated carriers can cut premium substantially. Individual results vary.
Targeted strategies that attack the real drivers of your premium, claim cost, classification, and loss history, not just the sticker price.
For qualifying employers, guaranteed-cost and high-deductible options through A+ rated carriers can substantially reduce premium by having you fund the predictable first layer of claims, actively managed, never on autopilot. Not every business qualifies.
Risk managers monitor losses with customized software, push day-one medical records and return-to-work, and investigate questionable claims so a back injury that carries ~$30,000 in real medical spend never settles at an inflated $250,000 number.
We review your class codes, experience modification factor, policy structure, and open claims to find reclassification and savings the insurer has no incentive to flag, because once your premium rises after a claim, it rarely comes all the way back down.
PCI Consultants begins by examining your current workers compensation policy, class codes, experience modification rating, premium structure, open claims, and historical loss ratio to identify where costs are inflated or misaligned.
Employers choose PCI Consultants because we manage claims directly for the life of the policy, the single biggest lever on what you actually pay.
Decades of public and private sector experience guide every workers compensation strategy.
Coverage stays strong through A+ rated carriers such as Travelers while we work the premium down. We're paid by carrier commission, not your claims, so we're not incentivized to let a claim run high.
Customized tools help monitor claims, control losses, and challenge questionable claim activity.
High-deductible structures fund claims monthly as incurred (often ~$3,000/mo) that stop when the worker recovers, keeping premium dollars in your account instead of prepaid to the carrier.
Experienced guidance for workers compensation cost control.
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.
Employers can reduce premiums by implementing formal workplace safety programs, claims management procedures, return-to-work programs, policy classification reviews, and risk control systems. PCI Consultants also evaluates high-deductible and guaranteed-payment policy options, monitors open claims, reviews experience modification factors, and helps challenge questionable claims that may be increasing premium costs.
Talk with PCI Consultants about premium reduction options.
Coverage options through financially strong insurance companies.
Deep workers compensation and risk management expertise.
Established program management with repeat client renewals.
Send us your current workers' comp policy and last five years of loss runs. PCI Consultants will review how your claims are being handled, where your mod is inflated, and which premium-reduction options, safety, claims control, return-to-work, or a high-deductible program for qualifying employers, fit your business.
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.