Knight-Dik Workers’ Comp Results Program
Many business owners don’t really know what drives their workers’ comp costs. At Knight Dik Insurance, we’ve distilled decades of experience into a systematic approach that enables our clients to better manage the factors which most influence their workers’ comp coverage and lower costs.
We begin by conducting an analysis of the premium your company is currently paying for workers’ comp coverage. We examine your current rate and figure out why you’re being charged so much. Then we determine the rate you could be paying if steps were taken to bring your premium down to its lowest possible rate — without any additional risk or loss of coverage.
Most clients find the KD WorkersComp Results Program process to be eye-opening and highly valuable. We look forward to discussing the building blocks of our Results Program as they apply to your business.

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The Building Blocks of the KD WorkersComp Results Program
Developing a Process That Jumps Into Action When an Employee Is injured
Establishing a Strong Return-to-Work Program
Actively Managing Open Claims
Implementing a Leadership-Driven Wellness and Safety Program
Enhancing HR Resources and Hiring Processes
Improving Cash Flow with Pay-As-You-Go Financing
Analyzing Your Experience Modification Factors
Ensuring Accuracy of Job Classifications
Preparing for Annual Workers’ Comp Audit
When Does the Law Require Workers’ Compensation?
Employers must provide safe working conditions for employees. When an employee suffers an injury on the job, he or she might have the right to obtain compensation from the employer. Such compensation comes in the form of workers’ compensation.
A Good Return-to-Work Program Benefits Both the Company and the Employee
Many business owners think that it is better to have someone out on worker’s comp than to pay them for a lesser job. After all, worker’s comp will pay for them to be out. The reality is that it costs at least twice as much to put in a worker’s comp case based on the large premium increase that losses cause.
Dealing With Insurance Audits A Key To Avoiding Future Problems
After the policy year is complete, your insurance company “audits” the policy to verify if the payroll data, job classifications, and losses are correct. When an insurance company audits a policy, they are typically looking for standard information to review and update.