Escalating Premiums Companies with a history of claims or high-risk operations are paying 30–50% more in premiums, even with improved safety records.

Long-Term Project Savings Self-insurance offers better cost predictability for multi-phase construction, manufacturing, or energy projects where coverage spans multiple years.

Control Over Claims Outcomes Rather than handing off injury claims to insurance carriers, employers can ensure faster resolution, lower costs, and better employee outcomes.

♦ Upfront Denial of Self-Insurance Most states require robust claims handling and safety protocols. Failure to meet readiness standards often leads to rejection.

♦ Financial Liability for Mismanaged Claims A single high-severity incident—if mishandled—can exceed six figures in medical, legal, and lost-time costs.

♦ Legal Exposure Without Oversight Without proper injury documentation and incident review, employers risk non-compliance with OSHA, state comp boards, or private agreements.

♦ Lost Projects Due to Risk Profile Contractors without proper workers’ comp coverage—or with poor safety documentation—may lose bids or bonding opportunities.

EHS Audits & Performance Reviews

We review incident history, jobsite safety culture, OSHA logs, and risk controls to help you identify where your organization meets or falls short of acceptable performance.

Claims Management System Setup

We help build internal claims reporting processes, assign roles, and vet third-party administrators (TPAs) to ensure fast and compliant resolution of injuries.

Self-Insurance Readiness Documentation

From loss history reports to safety policy summaries, we help compile a complete self-insurance application package including financials, reserves, and corrective actions.

Workforce Training & Risk Policy Development

We work with your team to instill proactive reporting, near-miss logging, and worker injury prevention that holds up under regulatory and underwriter review.

♦ Lower Premiums Over Time Once self-insured, companies with strong EHS performance and low claim severity often see total cost reductions of 20%–30%.

♦ Better Access to Credit and Bonds Showing EHS and claim control strengthens your case with banks, underwriters, and clients requiring proof of risk management.

♦ Improved Project Margins When injuries are prevented or handled fast your team avoids downtime, reassignments, and insurance disruptions that hurt profitability.

♦ Employers preparing to exit traditional insurance plans

♦ Contractors and manufacturers managing long-term or multi-state operations

♦ TPAs seeking documentation and systems to support employer self-insurance

♦ Banks, surety bond issuers, and underwriters evaluating employer readiness

♦ Deep understanding of monopolistic state requirements (ND, WA, WY, OH)

♦ Decades of combined field EHS, claims administration, and regulatory expertise

♦ Trusted by TPAs, bond underwriters, and insurers for technical due diligence

♦ Real-world construction, mining, energy, and manufacturing experience