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5 BIG Workers Compensation Challenges
ONE: How do I find skilled workers without hiring a work comp claim problem… and still stay in compliance with all the laws and regs?
Preventing Work Comp claims starts at the time of hire.
TWO: What simple and effective safety training can I easily implement to prevent workplace injuries?
Safety Training is crucial in preventing claims… and often times improves Company Culture and Employee Productivity.
THREE: I’m confused! Help me understand my Experience Mod calculation… and how I can lower it?
Very few Insurance Agents can explain how your Experience Mod calculation works… and even fewer can help you effectively lower it.
FOUR: When a Work Comp claim happens how do I keep it from getting out of control?
Work Comp claim costs can quickly spiral out of control without a Team assisting you.
FIVE: When a serious workplace injury happens, what support should I expect from my insurance agent?
Your Insurance Advisor should have the experience, understanding of the Work Comp system, and access to Resources to offer you Professional Guidance and Support when a serious workplace injury occurs.
Focusing on your Workers Comp Insurance challenges while reducing your Cost of Risk.
Unfortunately, many business owners learn the truth about workers’ comp the hard way: Don’t learn the hard way.
When an employee is injured and you’re not sure where to turn or who to ask for help, it can give you the feeling that maybe the system is not working for you, it is working against you? Do you ever feel this way?
If your employees claims are not processed properly or timely, it hurts both you and your employees.
You have the power to end this cycle that is draining your time, energy and money, not to mention, upsetting your employees.
You need an equalizer, someone to assist you and your employees.
You need a Workers’ Comp Insurance Advisor who focuses on reducing risk and workplace injuries while minimizing your Workers Compensation Insurance costs.
Mike’s focus has been decades of hands-on experience utilizing an innovative approach positioning his clients with the time to truly care about their employees’ well-being while creating a safe and happy workforce.
With our insurance program, you can go back to growing your business instead of being drawn into the workers’ comp process.
Discover Mike’s Four-Step Proven Road Map to Turning Your Workers Compensation Program into a Competitive Advantage
Workers Compensation
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Medical Expenses Coverage
Risk Factors
A painter falls off a ladder while working on a ceiling and breaks a leg. His workers’ compensation policy pays for the ambulance ride to the hospital, surgery, medications, and physical rehabilitation.
Solution
When an accident happens at a workplace, workers’ compensation covers the cost of immediate care, such as an ambulance ride or an emergency room visit. It also helps pay for surgical procedures, medications, hospital stays, and other medical bills. Ongoing care, such as continuing medication and physical rehabilitation, is also covered.
Lost Income Coverage
Risk Factors
An HVAC installer accidentally lowers an air-conditioner unit on his foot and breaks several bones. The installer has to stay off his feet for a month, which prevents him from working. The installation company’s workers’ comp policy pays part of the wages that would have been earned during the month of missed work.
Solution
A serious injury can prevent an employee from returning to work for days, weeks, or even months. Workers’ compensation often pays for part of the wages lost while an employee is recovering from a workplace injury or occupational illness.
Rehabilitation Coverage
Risk Factors
Your disabled employee may also receive a Transferable Skills Analysis. This helps find other roles for them where they can learn new skills and work with their disability.
Solution
Workers’ comp can help cover your employee’s ongoing care. This includes ongoing physical therapy or vocational rehabilitation to help them learn new skills so that they can return to work in a different role. Workers’ comp can even help cover any new training and certifications.
Disability Benefits
Risk Factors
Sometimes a work-related injury or illness can leave your employee disabled. If an employee who slips in the office and breaks her wrist may be partially disabled and continue to work, but only for half days until it heals.
Solution
If your disabled employee has to take time away from work to recover, workers’ compensation can help them recover some of their lost income until they return to work. If your employee has a permanent disability, workers’ comp can give them disability benefits for life.
Compensation For Fatal Injuries Coverage
Risk Factors
An electrician accidentally touches a live wire, goes into cardiac arrest, and dies. The electrical company’s workers’ comp policy covers the cost of the funeral and burial. It also provides financial support to the electrician’s spouse and children.
Solution
When a work-related incident is fatal, workers’ compensation pays death benefits that cover funeral expenses and help support the deceased individual’s family.
What our Client's Say
I discovered McDonough Insurance after Mike McDonough stopped by our office and left a bag of treats along with a copy of his book. Several months later I was in need of a new broker. Due to our business location being near the proximity of the brush fires in California, our carrier made a decision to non renew our policy because of our geographical location to the designated fire area. After unsuccessfully calling around to find coverage for my property and business, my previous broker called me to tell me that she had exhausted all of her options and possibilities of finding a replacement policy. She said it was now up to me to find coverage with only a couple of days left before our coverage expired.
I remembered Mike and gave him a call. Mike and Nannette immediately started working to find coverage for me. They not only found me replacement coverage, but they also found it with a carrier that was more competitive with more comprehensive coverage, and most importantly, they did all of this in 2 days. They found me a new policy and my coverage didn't cancel or lapse.
Working with the McDonough Insurance Team has been a refreshing change - they answer my emails and calls, answer my questions and explain thoroughly. And they are both genuinely nice people to work with.
Doing business in the state of CA is becoming almost impossible due to the increasing costs of all the various insurance policies. Due to the nature of our business, our work comp policy is our most expensive policy yet. Over the past two decades, we have always felt like we were walking on eggshells with our previous carrier hoping a claim would not happen. Because with each new claim that was filed our MOD rate continued to rise. For a various number of reasons, it nearly doubled over the prior two years. We had our own in-house safety programs and weekly safety meetings but even with those we were still seeing an increasing number of claims. The upcoming year’s rate was always based on what your Ex-Mod currently was/is. Every year we crossed our fingers hoping our Ex-Mod rate would go down so our premium would improve.
We were introduced to Mike and his team through another contractor - mutual friend. After speaking with him and hearing what his company had to offer us we knew we needed to get on board and switch policies quickly. The interview process was lengthy and a lot of information was requested upfront to get started. We have never been hands-on with any of our work comp claims, as we were paying our broker a lot of money and assumed they were handling the claims as best as they could. However, after switching brokers and working side by side with Mike (McDonough Ins) we quickly learned all of our old work comp cases and injured workers had not been receiving proper medical treatment from the beginning and that is why their condition was not improving.
We have only been doing business with McDonough Ins for a little more than a year now and over this past year, we have had approximately 7 claims. From as small as a sprained knee to as large as 1 injured worker undergoing a pretty serious surgery for his neck and shoulder. To date, none of these claims have been litigated. In this short amount of time, Mike and his team have filed the case, treated the injured worker, and 6 out of the 7 have been released back to work as good as new with lost time or income. Our only regret is that we did not meet him years ago. We could have saved hundreds of thousands of dollars but most importantly our injured workers would have received the proper care from the start
I'm in the workers' compensation business, and I can tell you that Mike really gets it. There are many, many brokers who do not truly understand the important issues in comp. Mike's not one of them. He runs a small company and is close to his clients. As a small business owner himself, he understands their business realities. Mike is straight up and his concern for his clients is way beyond the basics of account management.
Mike McDonough is one of those rare individuals who brings a unique special perspective to his professional work. As an insurance broker, he consistently puts his clients best interests first, bringing a superior degree of integrity and care to the sales experience. Mike is more interested in supporting people in getting what they want, based upon their goals and objectives rather than selling them on what he thinks they should have. His sincere caring and dedication last well beyond the closing of a transaction. With Mike, you have a partner for life.
Mike is so passionate about workers’ comp! He has been instrumental in educating our managers and employees to help ensure we keep exposure low and costs down. It’s not uncommon for him to spend an hour or more on the phone if I have a question or need assistance. He is very responsive and thorough as well—always available to help and provides regular check-ins to make sure our workers' comp costs are controlled.
Eliminate the confusion, frustration and headaches of dealing with Workers Compensation Insurance.
As Workers Compensation Insurance Advisors, our focus is helping
you reduce your workplace risks and minimizing your Work Comp Insurance costs.
Focus on running and growing your business.