The Cadence Risk Solutions team has the tools to forecast risk and improve your profile, giving you an advantage to carriers in the insurance marketplace.

Workers’ Compensation Analytics

We help reduce our clients’ Real Cost of Risk® through our proprietary Claims Analysis Reviewing Experience Mods (CARE) tool. Our Experience Modifier (E-Mod) team identifies drivers of workers’ compensation costs, helping to improve your operating costs. Our CARE program can help reduce claims, impacting your workers’ compensation premium. We analyze data for errors, negotiate indemnity claims, audit open claims, project future E-Mods, and help ensure proper claims handling.

Claims and Loss Trends Analytics

Our claims and loss trends analytics team allows risk managers to make data driven decisions. Key components of the reports we provide include:

• Executive Summary, with performance metrics over a multi-year period¹ Analysis of claims including loss ratio, lag time reporting, frequency and severity trends
• Open claim updates
• Experience mod (E-Mod) analysis
• Recommendations for safety improvement and claims strategies

Tailored Resources

• CARE Program (Claims Analysis Reducing E-Mods)
• Incident Management Tools
• Workers’ Compensation Injury Triage
• Certificate Issuance and Tracking
• Safety Learning Management Systems
• DOT Analytics
• OSHA Training & Fine Negotiation
• Property Catastrophe Analytics
• Property Inspections/ISO Reviews
• HR Training
• Cyber Expertise
• Client Claim Advocates

Claims Management

The claims experience is a critical “moment of truth” for many. Our priority is ensuring we provide the best claim expertise available. Our expert advocates lead you through the process and assist with all aspects of the claim, including:

• Establishing accident reporting procedures
• Reporting on your behalf (24/7 Capabilities)
• Providing follow-up and tracking
• Aiding with coverage interpretations and disputes

Risk Improvement (Loss Control)

Risk Improvement is an investment. Our ultimate focus with loss control efforts is to help insulate your organizational assets against the direct and indirect costs of risk.

Compliance Resources & Tools

• COI Track (Certificate of Insurance)
• Incident Track
• SDS Track (Safety Data Sheets)
• Audit Track
• BBS Track (Behavior-Based Safety)
• Safety Observation Track
• Job Description Track
• Training Track
• Online Risk Management Library

¹If data required is available