office (510) 390-1254
fax (510) 581-9411
Workers
Compensation
The difference between a Davidson Workers Compensation policy and one offered by another insurance company is service. As part of our service, we offers your business our "building block" system to help you build a strong foundation for operating a safe, secure work environment. The building blocks include accident prevention and loss control, claims management, our medical and disability management program.
What does this mean to you?
- A potential for reduced injuries and losses
- A potential for reduced medical & disability costs
- Potential reduced premium costs
We focus on providing Workers Compensation insurance to the following industry groups:
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Workers Compensation Coverages
The underlying strategy of our Workers Compensation program is to establish a partnership among the four participants: the injured employee, the employer, the medical provider and Davidson. Our goal is to quickly and efficiently deliver the correct benefits at a fair cost.
We provide the following additional services as part of our program to help you control costs and reduce premiums.
Our complete medical and disability management program is designed to help control your Workers Compensation premiums consists of:
Preferred Provider Organization (PPO)
The foundation is an extensive network of industrial clinics, physician
specialists and hospitals committed to giving excellent treatment as
well as managing costs.
Utilization Management
Our nurses, under the supervision of medical doctors, review treatment
plans using the latest in computerized medical guidelines. They also
verify the necessity of hospital admissions and lengths of stay.
Early Return-to-Work Programs
Early return-to-work is a major factor in cost savings. Bringing employees
back to work as soon as medically feasible saves substantial sums in
temporary disability payments and retraining costs.
Bill Review
We review every bill to check pricing, appropriateness of the treatment
and the billing overlap. This saves millions of dollars each year in
unnecessary charges /p>
Loss Control Services
Our loss control professionals can assist you in potentially reducing the frequency and cost of injuries. We also offer posters, videos, and brochures to reinforce Workers Compensation safety programs, raise employee awareness, and meet legal requirements.
Fraud Control
Our claims representatives are trained to identify and react when they
see "red flags", which indicate a claim needs further investigation.
Classification Review
We'll review your individual classifications and operations to make
sure payroll, sales, and other variables are correctly classified and
you are charged the correct premium.
Premium Audit Service
Our auditors will help you understand premium classifications as well as help forecast future premium costs. They also assist in making sure your premium is calculated at the correct rate.
Claims professionals
Specialized claims representatives handle only Workers Compensation
claims. They review medical expenses, initiate early return-to-work
programs, facilitate rehabilitations and manage legal costs.
Same-Day 4-Point Contact
On the day the claim is received, our claims representatives are committed
to achieving same-day contact with the employee, employer, medical provider,
and agent. This insures that benefits begin as soon as possible and
that questionable claims are investigated early in the process. /p>
We specialize in Workers Compensation insurance!
Workers' compensation (colloquially known as workers' comp) is a form of insurance that provides compensation medical care for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as "the compensation bargain." While plans differ between jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).
General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in worker compensation plans.