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Seven levers to cut workers' comp, without cutting coverage.

Seven levers across two categories — pricing and loss. Most brokers pull one or two at renewal. We pull all seven, every year, and document the savings on your audit.

Pricing levers (1–4)

1. Class-code re-mapping by actual job duty
2. Program-direct placement (skip the wholesale markup)
3. Schedule credits and dividend program negotiation
4. Pay-as-you-go billing to right-size premium to actual payroll and minimize audit true-up surprises

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Loss levers (5–7)

5. Same-day claim reporting protocol
6. Formal return-to-work program with light-duty inventory
7. Independent medical exam coordination

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