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Workers’ Compensation
Our workers’ compensation programs are designed with a strong focus on exceptional service. Central to our approach are loss control and claims management, ensuring that your interests are always protected. Acting as your advocate, we work directly with insurance carriers to prioritize your needs and deliver a competitive, long-term cost-saving program.
Claims Management
We take an advocate-based approach to claims management, ensuring that every claim is handled with your best interests in mind. Our services include:
- Full Claims Review: A detailed analysis to assess every aspect of each claim.
- Claim Strategy Development: We collaborate with claim adjusters, medical providers, and you to devise effective strategies.
- In-Depth Analysis: Investigating the cause of injuries, identifying fraudulent claims, and verifying impairment or disability status.
- Recovery Efforts (Subrogation): Pursuing all opportunities for claim recovery.
- Medical Treatment Evaluation: Collaborating with adjusters to review the appropriateness of medical treatments.
- Status Reports: Providing regular updates on the progress and status of each claim.
Experience Modification Audit
Your experience modification factor plays a key role in determining your premium. Ensuring its accuracy can lead to significant savings. Our audit includes:
- Review of Key Elements: Checking for arithmetic errors, clerical mistakes, and inaccuracies in claim frequency or severity.
- Trend Analysis & Projections: Offering experience modification forecasts and ‘what if’ scenarios to gauge future impacts.
- Minimum Mod Calculation: Identifying the lowest modification factor your business can achieve.
- Impact Analysis: Showing how individual claims affect your experience modification.
- Verification: Confirming accuracy in claim amounts, class codes, and payroll data.
- Subrogation Review: Ensuring subrogation efforts are properly reported and reviewed.
- Revisions: Correcting any inaccuracies to optimize your insurance program.
Why PayGo Connect Insurance Group is Different
At PayGo Connect Insurance Group, we put our clients first. Unlike many agencies that may be influenced by financial arrangements or profit-sharing agreements with insurance carriers, we operate with full independence. We have no exclusive deals or hidden incentives that could influence our recommendations. This allows us to focus solely on providing the most competitive coverage options and pricing for your business. Our client-centered approach ensures transparency, integrity, and an unwavering commitment to serving your best interests, making us a true advocate for your business.
Our P&C Insurance Carriers
We partner with 25 top-rated Property & Casualty carriers, along with specialized carriers for high-risk accounts, to deliver the most competitive commercial insurance and worker’s compensation insurance coverage for your business. By tapping into a vast network, including niche carriers that understand the unique risks of your industry, we provide tailored, comprehensive protection at the best possible rates. Our experience spans a wide range of industries, including:
- Contractors: Electrical, Plumbers, Sheet Metal
- Manufacturers
- Builders
- Concrete Construction
- Developers
- Transportation – Truckers
- Healthcare: Long-term care, Home Healthcare
- Distribution
- Apartments/Condos
- Assisted Living
- Landscapers
- Staffing Agencies, and more.
BBB Affinity Workers’ Compensation Program
In partnership with the BBB of Connecticut, PayGo Connect Insurance Group offers an exclusive Workers' Compensation Program that helps BBB-accredited businesses cut costs and streamline claims management with expert support.