Claims Management & Loss Control

Claims Management & Loss Prevention

Your Loss Control and Safety Team

Your loss-control/safety team at Bender Insurance Solutions will proactively integrate with your own staff, creating a workplace culture for safety and claims management. We deliver our clients timely and positive results, freeing them to do what they do best: Business.

Our vision is to create targeted solutions that are both proactive and responsive. These solutions evolve from services including:

• Technical training for employers and their labor force.
• Effective communication between carriers and employers.
• Deciphering loss runs and claims data and using them as solid risk-management tools.
• Creating accountability for claims resolution.
• Aggressively validating reserve accuracy.
• Analyzing experience ratings for accuracy and marketplace utilization.
• Conducting incident trend analyses to evaluate loss patterns while establishing prevention techniques with functional graphic enhancements.
• Holding workers’ compensation and safety seminars (in-house or at job site).
• Organizing “Train the Trainer” seminars.
• Offering online resources for preliminary safety orientation.

Our commitment to our clients:

• We are not satisfied until you are, whether an emerging business or an industry leader.
• We are continually earning your business through effective and measurable results.
• Bender Insurance Solutions’s team-based solutions create a collaborative successful network of brokers, loss control specialists, and claims management professionals that deliver optimum results to enhance our clients’ bottom line.

The Bender Insurance Solutions loss-control/claims management team is ready to be part of your business team and help you face today while preparing for tomorrow’s prosperity.

Loss Control

Your company is exposed to risk on a daily basis. How well you manage and prepare for these risks can affect the ultimate success of your business. Here at Bender Insurance Solutions, we have many years of experience analyzing risks and developing loss prevention plans. With our help, you can minimize losses and maximize profitability.

About Loss Control

The process of loss control involves identifying your business’s sources of risk, minimizing these risks and preparing a plan of action for possible incidents before they occur. Examples of risks we may identify include:

• Worker injuries (workers compensation)
• General liability
• Auto liability
• Products liability
• Equipment breakdowns and malfunctions
• Cyber risks
• Industrial hygiene
• Fire safety
• Risk of theft/burglary
• Ergonomics

Working with Bender Insurance Solutions

When you choose Bender Insurance Solutions for loss control, you can rest assured that our team will be both thorough and effective. We will begin the loss control consultation process by carefully assessing and documenting the various risks that may affect your company. During our assessment, we will not only identify the risks you face, but we will also evaluate the likelihood of each risk and its possible impact on your business.

After we understand all of your company’s exposures, we will develop a plan to reduce each risk as much as possible. For example, we may reduce the risk of worker injury by helping you develop an employee safety training program, suggesting operational changes or advising you to upgrade or replace equipment. Likewise, we may reduce the risk of fire damage by suggesting an automatic sprinkler system and/or the elimination of unnecessary fire hazards in your buildings.

Finally, our experts will help you implement the risk reduction strategies we developed. We will also help you plan to resolve any problems that occur in spite of your efforts to reduce risk so that losses and downtime are both minimized.

Ongoing Risk Management

Keep in mind that business risks are always subject to change. Aging equipment, changes in technology and the addition of new products or services can all alter your company’s risk exposure over time. For this reason, we recommend an ongoing loss control relationship. As your business evolves, we will help you re-evaluate risks at regular intervals so that your business can reach its full potential.

P&C Claims Management

Property and casualty insurance is designed to protect your business against a number of risks, including equipment breakdowns, liability, employee injuries, automobile accidents and much more. However, in order to benefit from these policies, you must file claims with the appropriate insurer when a covered incident occurs.

This process can be complicated and time-consuming, and many businesses end up losing money because of mistakes, delays and problems with claim approvals. Fortunately, the Bender Insurance Solutions team understands the claims process, and we can make sure your business always receives the benefits it deserves.

The Importance of Claims Management

For any company that files property and casualty insurance claims, effective claims management is essential. Your company pays monthly premiums to maintain its insurance policies, and you deserve to collect when a covered incident occurs. Proper claims management ensures that your company receives the appropriate payout for every covered loss that occurs. Without effective claims management, your company may suffer significant financial loss over time. This decreases your overall profitability and can lead to the ultimate failure of your business in the worst cases.

How It Works

As your claims management service provider, Bender Insurance Solutions will:

• Review all incidents that may warrant an insurance claim.
• Prepare and file your claim with the insurer.
• Follow up with the insurance policy to ensure timely approval.

With the help of our company, you can rest assured that all claims paperwork is accurate, that you are receiving the maximum possible reimbursement and that your insurance company pays the claim as quickly as possible so that you can resume operations and/or resolve the issue in question. We get the right claims professionals working on your claim immediately so your employees can focus their time and attention on other important tasks.

Contact Bender Insurance Solutions

No matter how many prevention measures you have in place, you can’t eliminate all risks. Make sure that your company is always receiving the property and casualty insurance benefits it deserves by entrusting claims management to Bender Insurance Solutions. Contact us today to learn more about our P & C claims management services.

Safety Culture Consulting

Workplace safety is one of the most significant issues your company faces. Every day, employees expose your company to risk as they perform their required tasks, drive your vehicles and/or interact with customers. Because of these risks, ensuring that everyone who represents your company follows the appropriate safety procedures is essential. These procedures not only improve your productivity and workflow, but they also protect your business from liability and financial loss.

Although a strong safety culture is necessary for the success of your business, it can be difficult to establish. Fortunately, we can help you reduce the risk of accidents by helping you create and maintain an effective safety culture in the workplace.

What makes an effective safety culture?

In an effective safety culture, employees will take the appropriate safety precautions at all times, even when they are not being monitored. Establishing this type of culture requires training programs, open communication and the proper enforcement of company safety policies. Companies can also improve employees’ investment in workplace safety culture by taking steps to improve morale and increase their level of involvement with the company.

Safety Culture Consulting from Bender Insurance Solutions

We understand how important workplace safety procedures are to your company’s operations and profitability. We have years of experience working with companies in a variety of industries, and we know how to put our knowledge and skills to work for your business. As your safety culture consultant, Bender Insurance Solutions will:

• Assess your company’s safety risks and current procedures.
• Evaluate the effectiveness of your current safety culture.
• Help you develop a plan to improve your safety culture through employee training and other strategies.
• Help you put these strategies into practice.
• Develop and implement a plan for dealing with employees who violate the company’s prescribed safety practices.

Contact Bender Insurance Solutions

Establishing an appropriate safety culture reduces the risk of accidents in the workplace, thus protecting your company from liability, lawsuits and other problems that can lead to financial loss. Using time-tested strategies, we can help you make sure that your company’s safety culture is as strong and effective as it can be. Contact us today to learn more about our services and discuss your company’s needs.

Workers’ Compensation Claims Management

Workers’ compensation insurance protects your business from financial loss when employees sustain injuries or become ill as a direct result of their employment. In fact, this type of insurance is typically required by law if you have one or more employees. In order to maximize the benefits of workers compensation insurance, proper workers compensation claims management is essential. Let Bender Insurance Solutions handle the claims management process for you so that you can focus your time and attention on more important tasks.

Understanding Claims Management

Each time an employee files a workers’ compensation claim, the insurance company may be required to pay benefits to the employee, and your future premiums may be affected. The longer it takes for the employee to recover, the more effect the claim will have on your future premiums. Furthermore, while the employee is recovering, your productivity may suffer.

Proper claims management procedures will verify the validity of all claims and ensure that employees’ injuries and illnesses are dealt with as quickly and effectively as possible. Claims management can also expedite employees’ return to work so that your company loses as little time and money as possible.

How It Works

As your workers’ compensation claims manager, we will ensure that your insurance company:

• Makes contact with employees in a timely manner.
• Investigates suspicious claims.
• Facilitates the timely delivery of benefits.
• Oversees medical care.
• Establishes and implements return-to-work plans for employees.
• Reviews the status of each claim regularly to keep costs down and encourage employees’ recovery.

When an employee becomes injured or ill, active involvement in the workers’ compensation and medical treatment processes ensures that the employee is treated equitably and that he or she is able to return to work as quickly as possible. We will continue to be a resource to guide and assist you through the claims process as your advocate.

Contact Bender Insurance Solutions

No matter how vigilant you are with regard to workplace safety, workers’ compensation claims are unavoidable. Workers’ compensation claims management solutions from Bender Insurance Solutions will help to ensure that these claims cost you as little time and money as possible. Contact us today to learn more about our services or discuss your needs. Ask about our related services, including loss control and workplace safety culture consultation.

Enterprise Risk Management Consulting

All businesses face risks on a daily basis. In fact, some level of risk is required for the growth and success of any company. Managing these risks effectively protects a business from financial loss, promotes profitability and allows the business to prepare for problems before they occur.

Various types of risk management exist, and some are offer more value than others. Enterprise Risk Management, or ERM, is a highly-effective risk management strategy that addresses all of the various risks a business faces and manages them as cohesive network.

Benefits of ERM

ERM offers several notable benefits over other risk management strategies. Some of these benefits include:

• Thorough assessment and management of all types of risks, including reputational risks, compliance, reporting, operational risks, financial risks and more.
• Risk management is considered in all critical business decisions.
• Risks are viewed as an interconnected network, as opposed to individual exposures.
• Risks are evaluated in a variety of contexts, including various circumstances, systems, external environments and internal environments.
• Both qualitative and quantitative risks are managed using a structured process.

ERM from Bender Insurance Solutions

We understand that the business world is always changing. Technology evolves, businesses are becoming more reliant on third parties and regulations are always being amended. Because of all of these changes, organizations must assess their risks regularly and objectively. As your Enterprise Risk Management Consultant, we will help you:

• Identify and assess all risks your business faces as a cohesive whole.
• Evaluate the effectiveness of your current risk management strategies.
• Develop strategies to manage risks more effectively.
• Improve effectiveness and reduce costs across the board.
• Regularly re-evaluate the risks your business faces, the strategies in place for managing these risks and the overall effectiveness of your ERM activities.

Contact Bender Insurance Solutions

When it comes to operating a business, risks are unavoidable. However, with effective risk management strategies, you can reduce the chances of liability, financial loss and other problems. We understand that your business’s risks are all interrelated, and we know how to deal with them objectively and efficiently. Contact us today to learn more about our Enterprise Risk Management consultation services. We look forward to working with your business.