Proud associate member of the
Florida Association of Independent Agents

Loss Analysis

A detailed loss analysis is a useful tool in determining accident trends and safety program weaknesses. As part of our custom analysis, we evaluate accident records to determine frequency and severity trends, as well as accident cause and effect.

Pivotal's loss analysis focuses on worker safety and accident prevention:

• determine problem areas
• help prevent future accidents
• identify trends
• track claims affecting the experience mod
• Identify possible personnel issues and training needs

Underwriting Submission Documents

The Underwriting Submission Document is basically a loss control report that an insurance agent submits to a carrier on behalf of a business client.

The Underwriting Submission Document from Pivotal Risk Management is a tool with many benefits. Agents can place business using an objective, independent risk analysis. An employer gets the best possible coverage and has a loss control "report card." The carrier understands a potential policyholder's risk and can make a faster underwriting decision.

Pivotal's Underwriting Submission Document includes:

• experience mod analysis
• risk assessment
• needs assessment
• service plan, if necessary
• business' key contacts, projected payroll, recent insurance loss report

Experience Mod Promulgation

Pivotal evaluates a company's claims history and creates reports and verifications for workers' compensation policy submissions. We verify accuracy of NCCI mod promulgation and apply for repromulgation if there are discrepancies.

Pivotal uses experience and today's technology to keep businesses on top of their claims history as it impacts workers' compensation coverage. We also help companies look to the future and make adjustments that may reduce premiums.

• ModMaster©
• experience modification verification
• unit stat evaluation
• future projections

Return-to-Work Services

Pivotal understands the best practices of return-to-work programs and will help a business implement a plan that can impact workers' compensation loss costs and insurance premiums. Employees become productive again and are less likely to have the injury recur.

Pivotal's return-to-work programs have many benefits:

• savings on indemnity costs
• reduce premiums by lowering experience mod
• mitigate settlements
• reduce attorney involvement
• helps prevent fraudulent claims

Human Resources Programs

A company is only as good as the people working for it. Selecting the right employee for the right job is vital to a business' success. Pivotal can help develop an employee selection program while complying with current and ever-changing employment laws.

Pivotal's human resources services include:

• employee handbooks
• employee screening procedures
• position descriptions
• sexual harassment policies
• workplace violence prevention programs

Guard Your Gold