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Workers’ Compensation Safety Group Programs

Safety Group programs for Workers’ Compensation insurance pool together several employers in a single industry.

Safety Group programs are available for groups of employers within the same industry. Each policyholder generally receives an advance premium discount. Approximately nine months after the conclusion of the policy period, each insured receives its share of the group dividend, regardless of each insured’s individual experience.

GCG Risk Management, Inc. manages several State Insurance Fund Safety Groups. As the Safety Group Manager of these groups, GCG provides insurance, claims, and safety services for its group clients (Workers’ Compensation Services). Members are charged a fee as a percentage of their premium. This fee is all-inclusive, entitling the member to receive all group services. Certain groups require separate membership in a sponsoring association with separate association dues.

GCG will provide a quote for these programs under “Request a Proposal.”

Our consulting firm, Gnesin Cates & Grimm, provides insurance, claims, and safety services to other Brokers/Group Managers, on retainer, with respect to their safety group programs.

Safety Group Insurance: Value-Added Services

Audit & Classification Review

  • Experience Rating Review
  • Payroll Audit & Code Classification
  • Negotiate Reclassification of Payroll
  • Claims Audit and Reserve Review

Workers Compensation Law & Regulation

  • Integration with FMLA/ADAAA/HIPAA
  • Job Description Development & Review
  • Cost Change Updates for Budgetary Planning
  • “Reviewed Cost” Newsletter

Claims Services for Safety Group Insurance Programs

  • FROI – First Report of Injury
  • Claims Processing
  • Claims Monitoring
  • Review Loss Reserves
  • Interface with Carrier Claims Dept. & Rating Board