• The system is flawed – up to 47% of experience modifications are wrong and most are mismanaged. In the Garden State there are over 10,000 rating re-classifications each and every year.

• Workers Comp is different than other coverages – insurance companies don’t pay for your workers compensation claims – Insurance companies merely finance them at a very high rate of interest.

• Assuming that your business has a 5% profit margin – just one $25,000 workers comp claim will mean that your business must produce $500,000 in revenue just to get back to even. That is why you must follow our proprietary best practices policies to head off potentially damaging claims.

• Most agents want you to believe that “Workers Comp is Workers Comp” – that is because that is what their knowledge base allows them to feel comfortable with. That shortsightedness may be costing your business thousands of dollars yearly.

• As a business owner, you must understand the experience modification and how it impacts your business. We can help you get this knowledge.

• As a businessowner, you are probably going to be audited on your workers compensation policy yearly. As an employer you simply can’t go into the audit without every tool in your arsenal. Did you know that there are 20 forms of remuneration that often appear in payroll records that are excluded from the audit. We work with you to provide our exclusive “Audit Package” - it’s like going into a test and knowing the answers. Your business goes from sitting duck to virtually "bulletproof."

• All members of our agency who handle compensation accounts are Certified Workers Compensation Advisors. Contractors and other businessowners can be far too susceptible to huge errors on this often mis-understood line of insurance and mistakes could cost your business dearly for years to come.

• There are only 15 Level 5 Certified Workers Compensation Advisors in the USA. We provide the highest levelexpertise to your business and there is NO EXTRA cost for this service!