J&L Insurance Consultants Inc

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The bottom line is to make sure your company does not have uncovered contractors or employees and to not let the buzzwords "Employee Misclassification" keep your company from questioning or disputing the classification codes of your employees.

There are a few strategies to avoid having to switch before the next renewal or your company may not switch even at the next renewal. Obtain the policy from your agent at least a few weeks before renewal. Read through the policy very carefully. Read through your expiring policy. Discuss any concerns with your agent at least two weeks before renewal. If your company does not like the policy quoted, ask for another quote. Prepare for your premium audi t by providing a knowledgeable person to talk with the premium auditor.

James has over 25 years of experience in insurance, specializing in Workers' Compensation. He has consulted on, adjusted, supervised, and managed the administration of Workers’ Compensation claims and underwriting in 45+ states. His work experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Rehabilitation Unit for school personnel in NC.

Whether you call it Workman’s Compensation, Workmen’s Compensation, Workers’ Compensation, Work Comp, or Workers Comp, it is still the same, silent budget killer. Workers’ Compensation is one of the most complex and confusing components of your insurance budget. Premium audits, experience modification factors, classification codes, reserve reviews, and state regulations & statutes all add to the chaos. The question as to whether your company is being overcharged is not an easy one to answer. Only by working closely with your carrier or your insurance agent can the answer be found.

J&L Risk Management Consultants, Inc. has the experience and expertise to wade through all of the confusion and help your company reduce its insurance budget. We have had great success in the past auditing premiums, verifying e-mods & class codes, double checking rates, and helping employers resolve disputes with their carriers. Your money could be in the hands of your insurance carrier. Get workers comp advice now and get that cash back where it belongs.

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