Workers’ Comp Risks N Threats

Q: Which of these risks & threats affect the cost
of your workers’ comp and related programs?
A: All of them.


  • Appropriate medical treatment protocol – Are your employees getting the right medical treatment & returning to work quickly?
  • Hidden costs – Do you know what is NOT covered by Workers’ Comp?
  • Supervisor’s role – The lack of a positive supervisor response can be the single most harmful influence on the injured employee’s recovery.
  • Experience Modification auditing – How do know if your Experience Modification is free of errors?
  • Lowest possible Experience Modification – Would you like to know what your lowest Experience Modification can be?
  • Over charges at premium audit – Do you have a strategy to prevent over charges?
  • Compliance – Are you in compliance with the Federal W/C Act & California OSHA?
  • Coordination of benefits – What is being done to ensure your Workers’ Comp, Group Medical, FMLA, COBRA, ADA are being properly coordinated to prevent additional liabilities and expenses?

Contact me today – let’s find an innovative solution to address the risks and threats facing your business.


Tom Bone
Risk Insurance Advisor
ISU Insurance Services
2266 Lava Ridge Court
Roseville, California 95661
Phone 916.960.8758 or 800.823.4852 ext. 8758
Fax 916.773.4484
Mobile 925.285.6790
License #0306692

Sign up for my newsletter!

As a bonus, you’ll get my free eBook, “Close Call: How to Turn a Near-Miss Workplace Injury into a Win”

* indicates required