"I have worked with Spiris for several years and have found their organization to be a great partner and advocate for our Industry. It is critical these days to align yourself with other organizations that can bring you the best product that meets your ongoing needs. Spiris is a creative company that can certainly bring a product to your table that fits your business philosophy and financial needs. And more importantly, once the deal is struck, Spiris keeps working for you to find a better product if one is out there. I define this as staying on the cutting edge of the insurance market."
Testimonials
Clients Love Spiris' Commitment : Cullen S. Gibson
Vice President of Operations TLC Management, Inc.
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Julian Robinson
Administrator, Munster Med-In
Muncie, Indiana
"Im thankful we had insurance that put us in a position for the future. Had we not had that, we would have not have survived the flood. That’s the truth. We might not have had the type of coverages we did had it not been for Spiris, who developed and proposed those coverages."
Workers Compensation Insurance Quotes
In today’s tough economic climate, with its rapidly changing workforce, businesses struggle to find a workers’ compensation carrier that is a partner in reducing claim costs. Choosing a highly experienced broker will help. We offer access to many of the most competitive workers’ compensation markets and work to ensure your account is presented accurately each year to underwriters. Our goal is two-fold: to help you obtain the best price with a quality carrier and to represent your interests year round, not just at renewal.
Your experience modification factor (e-mod) is one of your business’s most important metrics used to both determine your premium and to highlight your safety record. Your e-mod is critical to managing your insurance premiums and even in some cases, your ability to bid on key contracts. Yet many risk management experts frequently find e-mods miscalculated, which can cost you additional premium and may even cause you to lose business.
Effective hiring practices can also reduce workers’ compensation costs. The right employee fit, both physically and with your organizational culture, can mean the difference between an employee who works safely and one who is injured, sometimes repeatedly. Pre-placement tests can help prevent hiring an employee who, once injured, ultimately continues to cost your business long after his or her departure.
Additionally, a solid return-to-work program is vital to reducing claims costs post injury. Yet employers often struggle to find meaningful work for employees post injury. The longer an employee stays away from work, the greater the chance that the employee will never return yet you continue to pay for a lifelong disability. Developing and managing a return-to-work program and complying with state and federal laws are important factors in managing risk.
Payroll and classification code reporting are also two areas where errors often occur. Rarely are these errors to your advantage. We help assure that your classifications are correct and that you are reporting only the required payroll, reducing overpayments and helping to eliminate additional premiums.
Finally, the management of claims and their reserves post injury is critical. The unit statistical report your carrier submits to the rating bureau is the key to your premium. Only by carefully reviewing your claim reserves at appropriate intervals can you ensure the accuracy of your unit statistical report.
Spiris’s highly experienced personnel will assist you by offering current best practices management assistance for your workers’ compensation loss exposures. We partner with you in managing the highly complex world of workers’ compensation.
Call us today for more information and a free consultation.
