Workers Compensation

Accidents happen.

DHW can help protect a small accident

from becoming a big problem.

We live and breathe workers’ compensation insurance.

Workers’ compensation benefits can be tricky for even the largest and most well-established of businesses to navigate. Not having the right proactive claims service can bring serious implications for the long-term health and well-being of your business, including the most important part—your employees. And there are plenty of hazards that bring workers’ compensation to the forefront of every workday. Consider that:

In 2019, there have been more than 13,000 workers’ compensation claims in California alone.
California Labor Code Section 3700 makes it a legal requirement for all employers in California to provide workers’ comp benefits.
According to the National Council on Compensation Insurance (NCCI), the average workers’ compensation claim for motor vehicle crashes was $78,293 in 2016 and 2017.
Above-average costs were also seen for burns ($47,878) and slips or falls ($46,592).

At DHW, we pride ourselves on our workers’ compensation expertise. Here are just a few ways that we help our clients:

Complete market coverage—Our marketing insurance program covers the entire marketplace, leaving no stone unturned for your own personal best-coverage option.

High-touch customer service—Our clients love knowing they can count on us to deliver. Whether we are providing workers’ comp certificates, solving complex problems, or providing claim guidance with HR solutions, we’re here to make the process as streamlined as possible. Let us handle your workers’ compensation benefits so you can focus on what matters most—your business.

OSHA, safety, and compliance—Failing to comply with safety and compliance standards is a huge risk. And no one wants to have the government knocking on their door. That’s why our workers’ compensation approach can ensure that employees have a safe environment and feel protected, all while keeping up-to-date with the latest OSHA, safety, and compliance standards.

Workers’ compensation doesn’t have to be complicated.

Liability from incidents in the workplace poses significant risk to employees and employers alike. When an incident occurs, you’ll want the peace of mind to know that your business is covered, including medical care, disability, rehabilitation, or survivor benefits for your employees.

Here are a few of the most common workers’ compensation challenges that our clients rely on DHW to solve:

Effective claim prevention
Fast and proactive claim resolution process
Guidance through workers’ compensation fraud and litigation
Reduced experience modification action plans
Cost-efficient coverage (without sacrificing quality)
Classification analysis

Workers’ compensation can be challenging, but you don’t have to go it alone! With DHW, you have a true partner who understands the ins and outs of your coverage, benefits, and challenges as an employer. No matter your industry or size, we know the importance of your workers’ compensation coverage—and what it means for the health of your business.

Case Study: Finally, the insured wins!

Two employees were involved in an auto accident in which another third party was at fault. Due to injuries suffered by the employees, the business paid an extra $60,000 in insurance premiums over the course of three years. To make matters worse, their previous insurance broker said there was no way to speed up the claims—and even said that it was impossible to recoup the extra cost.

DHW promised to get the workers’ comp claims settled and to recoup the extra cost of the premium. After just a few months’ of negotiations with the workers’ comp insurer and the third-party carrier, the claims were closed. Even better, the Experience Modification was lowered for all three affected years—and our client was able to recover $40,000 in premium costs.

Key takeaways:

Not all insurance companies are created equal
Claims processes don’t have to be long and drawn out
Fraud claims can be denied from the onset
Businesses don’t need to pay thousands of dollars in extra premiums
Our Dedication, Heart, and Wisdom helps clients in all stages of the workers’ compensation process

I have been operating my business for over 16 years and I have never experienced the level of service which DHW Insurance provides . . . I am very appreciative of the great work they have done for me and my business, and I highly recommend their services to any business with insurance challenges.

Kathleen Yoon, President of Heavenly Maids Cleaning Service

Protect your business and your employees.

Workers’ compensation has become a leading cost factor for companies of all sizes, and premiums continue to escalate in most industries. DHW will help you keep your workers’ compensation costs from spiraling out of control with our proprietary approach and personal service that helps reduce your overall total cost.

Workers’ compensation insurance is an investment in the future of your business and the well-being of your employees. Our workers’ compensation tips for employers and customized plans all come from our in-depth knowledge of how workers’ compensation benefits affect your day-to-day business—and your bottom line. DHW has the experience, knowledge, and understanding to provide the customized coverage your business needs to stay protected.

Workers Compensation

Accidents happen.

DHW can help protect a small accident

from becoming a big problem.

We live and breathe workers’ compensation insurance.

Workers’ compensation doesn’t have to be complicated.

Case Study: Finally, the insured wins!

Key takeaways:

Protect your business and your employees.

Looking for more information?

Fill out this simple form and let us know how we can assist.

CONTACT US

We are here to help.

info@dhw-ins.com

(650) 858-2375

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