Help business owners protect their most valuable asset- their people.
As you are visiting small business owners for open enrollment, it is a great opportunity to make sure they are fully covered in all aspects of their business. Consider asking how their workers compensation plan is working for them. Offering solutions in workers compensation and reminding them that you can come up with custom solutions for their coverage will help ensure they are protected.
Running a business can come with many important decisions to make. Help make getting workers compensation insurance an easy one.
Workers Compensation works on two levels:
To protect employees…
- Medical expense benefits
- Lost wages benefits
- Over 2,000 workers compensation claim professionals to simplify the claims process
- 500+ in-house nurses and medical professionals to ensure a timely return and smooth transition back to work when medically appropriate
To protect business…
- May limit a business owner’s liability if sued by an injured employee
- Safety resources and expertise available to reduce workplace accidents
- Investigative team for claims
Sales Approach: Why should you write worker’s compensation for your small business clients?
All business owners know that they need workers compensation when they have employees, but do they really see the benefit in it? Paint a picture for them by asking a few probing questions to help identify why coverage is needed and what features are best for them.
Important Features of Travelers Workers Compensation:
- Injury management solutions and back-to-work strategies
- Proprietary risk control services
- Convenient and flexible payment options
- Fast and responsive claim service
- Injured employee website supports through the claims process
- Online workers compensation tools and resources for business owners
- Local presence for personal service
- Preferred Carrier- Travelers is the #1 writer of workers compensation in America
- Plan customization based on industry
- Small Business Workers Compensation
- Public Sector Workers Compensation
- Oil & Gas Workers Compensation
Important Features of CNA Workers Compensation:
- 4 Elements of Workers Compensation success
- Build a safety culture in the workplace
- Understand specific workplace risks
- Improve productivity by applying lean principles to safety
- Employ an Injury management strategy that focuses on getting employees the support they need to return to work as quickly as possible
- Information and training to help your workplace function more safely
- Effective and supportive claims handling
- Risk Control consultants with expertise in building health and safety programs for any size manufacturer
- School of Risk Control Excellence (SORCE®) and Return-to-Work programs
- An insurance industry leader in advancing safety, CNA professionals have been awarded the Recognized Risk Engineers (RRE) designation by UL
Important Features of The Hartford Workers Compensation:
- Target Industries
- Medical Offices, Technology, Finance & Insurance, Professional Services, Business Services
- Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
- Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker. The convenience of mail order service is just a phone call or click away.
- Nursed Back to Health: The Hartford provides highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
- Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers’ compensation insurance billing solution bases premium payments on actual payroll, which can help manage cash flow and reduce audit surprises.
- Payroll Billing Option – helps customers to manage cash flow
- Scheduled Credits often available
- Agent- Commission Boost may apply
Claims Scenario Examples:
- Kitchen casualty: A restaurant cook begins to prep the omelet bar for the morning breakfast rush. As he turns the burners on, a flash fire occurs and he sustains second degree burns to his arms and face. As a result, he is hospitalized for several days and is out of work for several months. A comprehensive workers compensation claim program can help simplify the process, so the patient can focus on recovery. And with a national network of experienced nurses, doctors, ergonomic professionals and pharmacists at their disposal, an injured employee can be on their feet and back to work sooner.
- Multitasking distraction: Paperwork review, conference calls and client meetings – it’s a typical day for the busy mortgage broker. An email chirp reminds him of his next appointment, and he hurriedly rushes out of the office while simultaneously pulling up documents on his smart device. Because he is distracted, he doesn’t notice that the floor just outside his office was recently mopped to clean up a coffee spill. As a result, he slips and falls. Embarrassed, he quickly gets up and walks away, hoping that no one will notice. Soon after, his left shoulder feels increasingly painful, so he goes to the emergency room and discovers that he has torn ligaments that will require additional medical attention. Fortunately, the business had the right protection to cover his workers compensation claim.
- Not-So-Sweet: When a store employee notices that the supply of candy bars is running low, she proceeds to the storage
room to replenish the stock. They are inconveniently located on the top shelf, so she locates a ladder and climbs up. When reaching for the box, she loses her footing and falls off the ladder. She is taken to the hospital and diagnosed with a concussion, as well as neck and arm injuries that require five months of physical therapy. The candy store owner never imagined that a simple re-stock could turn into downtime and a mountain of medical bills for a valued employee.
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