Free Workers' Compensation Claims Review

A free review typically examines your current workers’ compensation policy, loss runs, open claims, experience modification rating, classifications, and premium structure. PCI Consultants looks for claim issues, unnecessary costs, inaccurate reserves, potential reclassification opportunities, and risk control improvements that may reduce future losses and premium expense.

Premiums are often affected by claim history, loss ratios, experience mods, payroll classifications, and carrier assumptions. By reviewing claims for accuracy, monitoring reserves, disputing unreasonable claims, and identifying classification or deductible opportunities, PCI Consultants can help qualified businesses lower costs while preserving strong workers’ compensation coverage.

Yes, the review is presented as a free opportunity to evaluate whether your current workers’ compensation program is costing more than necessary. The goal is to identify savings potential, claim management concerns, and structural improvements before recommending any program changes or premium reduction strategies.

Helpful documents include your current workers’ compensation policy, recent premium statements, loss runs, claim summaries, experience modification worksheets, payroll classifications, and any information about open claims. These materials allow PCI Consultants to assess both claim activity and policy structure with enough detail to identify practical savings opportunities.

Timing depends on the complexity of your program and the number of open or historical claims being reviewed. A straightforward review can often begin once policy and loss information is available, while larger accounts with multiple classifications, locations, or claim histories may require deeper analysis before recommendations are finalized.

The review is especially valuable for businesses with high state-mandated workers’ compensation premiums, low claim rates compared with premium costs, open claims affecting experience mods, or large payroll exposure. PCI Consultants specifically highlights strong value for CDPAP companies and organizations seeking substantial premium and cash-flow improvements.

Not necessarily. PCI Consultants notes that policies and coverages can often remain the same while premium and cash outlay are reduced. Depending on your situation, savings may come from better classifications, risk control, claim management, guaranteed-payment policies, or high-deductible options issued through A+ rated carriers.

Savings vary by premium size, loss ratio, deductible structure, and claim history. PCI Consultants’ programs have been described as saving as much as 50% compared with previous workers’ compensation costs, with certain high-deductible structures reducing premium by 60% to 70% before claims are paid.