Workers’ Compensation
Our workers’ compensation programs are built on a foundation of exceptional service. Loss control and claims management are at the core of everything we do. As your advocate, we interact directly with commercial insurance and worker’s compensation insurance carriers on your behalf, ensuring your interests are always prioritized. The goal is to provide a competitive long-term cost-saving program. To accomplish that, services are crucial.
Claims Management
Our advocate-based claims management is comprehensive, ensuring every claim is handled with your best interests in mind. We provide:
• Full Review of All Claims: A thorough analysis to ensure every aspect of your claim isvevaluated.
• Claim Strategy Review: We work closely with claim adjusters, medical providers and the client to develop and review strategies.
• In-Depth Analysis: Including the cause of injury, examination of fraudulent claims, verification of impairment, disability status, and more.
• Recovery Efforts - Subrogation: Ensuring all recovery opportunities are pursued.
• Medical Treatment Reviews: Evaluating medical treatments in collaboration with claim adjusters.
• Status Reports: Regular updates on the progress and status of each claim.
Experience Modification Audit
Your experience modification factor is one of the most critical components in determining your premium. Ensuring its accuracy can result in significant cost savings. Here’s how we audit your experience modification:
• Review of Key Elements: Checking arithmetic mistakes, clerical errors, claim frequency, severity, and any misreporting from the insurance carrier.
• Trend Analysis & Projections: Providing experience modification projections and conducting ‘what if’ scenarios to assess potential outcomes.
• Minimum Mod Calculation: Identifying the minimum modification factor your business can achieve.
• Impact Analysis: Displaying how individual losses affect your experience modification.
• Verification: Confirming the accuracy of claim amounts, rates, class codes, and payrolls.
• Subrogation Activity & Reporting: Reviewing subrogation efforts and ensuring no reporting mistakes occur.
• Revisions: Making necessary revisions to correct any inaccuracies found.
We are committed to being your advocate and ensuring you have the most accurate, efficient, and beneficial commercial insurance and worker’s compensation insurance program in place.
Our P&C Insurance Carriers
With access to 25 top-rated Property & Casualty carriers, along with specialized carriers for high-exposure accounts, we bring an unmatched ability to search the market and secure the most competitive coverage for your business. Unlike many agents, we go beyond the standard options by targeting niche carriers that understand the unique challenges of your industry. This approach ensures that you receive tailored, comprehensive protection at the most competitive rates available. By leveraging our extensive network, we deliver the quality coverage your business deserves, without compromise.
Our proven track record spans across a wide range of industries, with success stories 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.
Our P&C Insurance Carriers
With access to 25 top-rated Property & Casualty carriers, along with specialized carriers for high-exposure accounts, we bring an unmatched ability to search the market and secure the most competitive coverage for your business. Unlike many agents, we go beyond the standard options by targeting niche carriers that understand the unique challenges of your industry. This approach ensures that you receive tailored, comprehensive protection at the most competitive rates available. By leveraging our extensive network, we deliver the quality coverage your business deserves, without compromise.
Our proven track record spans across a wide range of industries, with success stories 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
The Better Business Bureau (BBB) of Connecticut and PayGo Connect Insurance Group have joined forces to offer an exclusive Affinity Workers’ Compensation Program tailored for BBB-accredited businesses. This partnership represents a commitment to helping accredited companies not only reduce their commercial insurance and worker’s compensation insurance costs but also gain the resources and guidance needed to manage these expenses effectively. By leveraging PayGo Connect Insurance Group's expertise and access to a wide range of carriers, BBB-accredited businesses are positioned to benefit from substantial savings, dedicated support, and a streamlined approach to managing their workers’ compensation needs. This program not only reflects our shared dedication to serving BBB-accredited businesses but also ensures they receive the highest level of service and cost efficiency in protecting their workforce.
