Workers' Compensation

Program can be structured on guaranteed cost or loss sensitive basis including large deductible with a funded deductible reimbursement option or retrospective rating options. Program includes designated adjuster team, designated defense panel, nurse triage service, on-site first aid triage and pro-active medical provider network. Includes access to CMR Risk Management Center for training track, job hazard analysis and claims tracking.

Group captive program with separated cells. A captive program minimizes or eliminates an insurance companies acquisition costs, marketing expenses, high commissions, administration and overhead. As a member of a captive, safety pays. You are rewarded for effective risk management by receiving dividends that are directly related to loss performance, while investment income accumulates to your benefit. CMR’s program allows for proven pricing practices that offer an unbiased formula to calculate premiums based on a member’s actual loss history rather than aggregated averages and trends in the insurance market. Risk management services that better control risk and help prevent losses with a formalized risk assessment methodology. In-house safety professionals to help coordinate all risk control services.