Every state battles fraud and abuse of its Workers Compensation system. Even though you use Worker Comp to protect your employees and keep your premises safe, you might well end up paying higher premiums because other firms, employees, and medical providers have no compunction about cheating the system through fraud and abuse.
Workers Comp fraud involves such criminal acts as workers falsifying claims, employers misclassifying high-risk workers with less dangerous jobs to lower their premiums, and physicians exaggerating injuries and their treatment and overbilling insurance companies for expensive services never rendered. Fraud has led a number of states to pass legislation simplifying the prosecution of offenders. On the judicial front, some states provide insurance companies with immunity from lawsuits if they report Workers Comp violators. On the downside, insurers need to tread cautiously because a firm wrongfully accused of fraud has legal recourse after a false report or misleading statement.
Unlike fraud, Workers Comp abuse isn’t a felony, although it also increases premiums for everybody. Usually, this misuse of benefits involves a worker who uses unnecessary medical services, remains away from work after their injury has healed, or reports an off-hours injury as happening on the job.
According to a recent Insurance Research Council survey, more than one in four workers (28%) believe that padding Comp claims is justified to recover the policy premium, which they aren’t even responsible for paying! Insurance companies have trouble detecting this common abuse, especially when they’re up against a stress or soft-tissue injury, because there are few if any physical symptoms. This attitude among workers might be an extension of the belief that claims-padding on policyholders’ Personal insurance coverages (Auto or Homeowners) is simply a way of getting their money’s worth from their premium.
As a business owner or manager, you can help curb Workers Comp fraud and abuse and keep your premiums under control by:
- Screening out potential abuses when you recruit employees and assign jobs.
- Developing close, mutually respectful relationships with your workers to minimize any grudges against management that might encourage abuse.
- Keeping close tabs on potential abuses of the system.
We’d be happy to work with you in reaching these goals. Contact any of our helpful and friendly agents at Scurich Insurance Services with your questions regarding Worker’s Compensation. Connect with us on Facebook to learn more about us and stay informed regarding all insurance related topics.
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Scurich Insurance Services, located in Northern California, has been serving the Agriculture community since 1924.
We would like the opportunity to compete for your Agriculture Insurance coverage. Here are some areas we can help you in the near future:
Protect your Property | Protect Your Equipment | Protect your Employees | Protect against Law Suits
Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.
But don’t take our word for it, here are some comments from business owners, like you:
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“In the early 80’s I was approached by Tony Scurich himself about his insurance opportunities and I really loved the idea of a local family -owned business. We were insured with Scurich Insurance for our previous business so when we opened Lakeside Organic Garden, it was a no brainer who to insure with. If I had to rate Scurich Insurance I would rate them as an 11 on a scale from 1-10 because of their excellent customer service and the ease of trusting them through their consistent honesty. “Joanne, Lakeside Organic Gardens |
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“In 2009, I started looking for insurance for my company, MKM farms. We’re located in Salinas, CA. Scurich Insurance contacted me and I had to take it as a sign for perfect timing. Not only did I save money when I switched from the provider I was with, but I quickly learned that Scurich Insurance provides great customer service which really adds to the overall appeal of the business. Working directly with Mike and Tony, the owners, is an awesome amenity as well. It just adds to the comfort of knowing things will get done.”Doug Iwamoto, MKM Farms, Inc. |
Start Here to complete our simple Request Form and a representative will respond within 24 hours.
We look forward to offering you great service. To learn more about us and to stay in contact with us, follow us on Twitter!
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All of our agents at Scurich Insurance Services would like to wish you a Happy Labor Day today. We would like to remind you to practice safe driving habits while on the road today and safe cooking habits while cooking as well.
Contact any of our agents at Scurich Insurance Services, located in California, with any questions regarding your personal insurance policy with us!
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As seen in: Property Casualty 360 9/1/2011 By Ed Domansky
At Scurich Insurance Services, located in Watsonville, California, we understand that our nations economy can make the daily operations for your business difficult. While it is important for you to protect your revenue stream besides just creating the steady stream as well. Here at Scurich Insurance Services, we want to appropriate Commercial General Liability Insurance (CGL) to be apart of your business plan. There are things you can do to not only better understand your Commercial General Liability Insurance but to also keep all of your risks protected.
- Understand what your policy does. CGL protects the business owner if someone is injured or property damage occurs on the premises.
- Speak with your agent to make sure your insurance coverage is up to date for your insurance needs.
- Keep your agent up to date with any legal issues that can affect your business from running properly
- Provides the business owner with legal defense if a law suit is filled against them.
- Speak to your agent so that you know what is covered with your policy and what kind of risks are not covered with your policy.
Contact one of our agents at Scurich Insurance Services today to go over your Commercial General Liability Insurance Policy and see if you are prepared for any risks that may come your way. All of us at Scurich Insurance Services would like to invite you to connect with us on LinkedIn.
Content first stated by: http://www.propertycasualty360.com/2011/09/01/keeping-whats-yours
Scurich Insurance Service did not originally write this content.
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Mary is a central coast native and has been in the insurance business since 1988 and with Scurich Insurance Services, located in Watsonville, since 1998. Mary graduated from Monterey High School and attended Monterey Peninsula College. She is a member of Insurance Professionals of Monterey Bay, which is a local chapter of the National Association of Insurance Women, and has served as President among other Board positions. Mary is an avid walker, loves to bicycle and enjoys gardening, camping and cooking.
Contact any of our helpful and friendly agents at Scurich Insurance Services with any questions you may have regarding your insurance policy with us. All of us at Scurich Insurance Services invite you to follow us on Twitter.
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Down through the ages Scurich Insurance Services, located on the central coast of California, has developed an expertise in Customer’s support by not working for you but working with you instead. Rather speaking about ourselves, we let our work speak by itself through our customers.In Business Review 360° our customers provide us their feedback which confirms you are at the right landmark for your insurance.
Here is a testimonial from one of our Happiest Customers from our Business Review 360° page!
| Louis I. Corralitos, CA |
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| Countlessadvertisements depict “Flo”, or a gecko, as possible advocates in theinsurance arena. Hopefully our competitors will take the bait and settle on afictitious character or a reptile to save a few bucks. Our firm sees the valuein the genuine article, the seasoned professional. The Scurich Family hasprovided both insurance products and valued advice to my family for threegenerations. Many uncertainties exist today in business; fortunately, theexcellence with which Scurich Insurance Services serves its clients is not oneof them. Their expertise, as a broker, to competitively shop for coverages, hashelped us manage costs–without unnecessary exposure. We have referred severalfriends and colleagues to the Scurich agency, for both commercial and personallines, all of whom have experienced the same high level of professionalism fromthe partners and their well-trained, courteous staff. I look forward to the daywhen the fourth generations of our two families are able to continue thismutually beneficial relationship.LouisIvanovich, V.P.
WestLake Fresh, Watsonville, CA |
Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions that you may have regarding your insurance policy with us. We would like to invite you to visit our Business Review 360° page and leave a testimonial about why you are a Happy Customer of ours.
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