Introduction To The Blook

In many ways, workers’ compensation is like the income tax system:

-There are rules that determine how much you pay.
-You have no say in the makeup of those rules.
-Knowledge of the rules can help you save money.
-You can use your knowledge to pay less.

I’ve been in the insurance business since 1979. Twenty years of that time was spent selling insurance as an agent. I now consult with businesses, helping them manage their insurance programs as a fee-only consultant. I have worked with well over 1,000 employers in my career. I have found that very business can do something to help control the premiums paid.

Every business can do something to control their workers’ compensation premiums.

This book approaches workers’ compensation in four broad parts:
-Policy Management
-Your Experience Modification
-Claims Management
-Loss Control

Each section offers hint and tips that will help you manage your insurance better. Read the book straight through or use specific sections as you need assistance.
I hope the information here is helpful. Feel free to let me know what you like and what you don’t like about this guide. Please feel free to call me at (207) 284-0085 or email me at Scott@ScottSimmonds.com. I’m interested in your thoughts and comments.

Scott Simmonds, CPCU, ARM, CRM
Saco, Maine
November, 2007