In 1997 Comprehensive Risk Management, Inc. (CRM) was formed to manage workers' compensation claims and create insurance premium discounts by offering group rating programs through their sponsor, the Northern Ohio Area Chambers of Commerce (NOACC). We met recently with Vice-President of Marketing and Sales Lou Weinstock, and listened as he outlined the advantages and cost savings available through CRM;
Comprehensive Risk Management is a third party administrator of Workers' Compensation programs dedicated to helping Ohio companies remain competitive by providing substantial discounts on the premiums paid for these programs. We offer the ability for anyone to join a group and can offer premium discounts up to the State maximum. The majority of the shares of CRM are owned by the law firm of Ross, Brittain & Schonberg, Co., LPA. (RBS) Through our affiliation with RBS we can defend against questionable claims by employees suggesting or attempting to demonstrate that their compensation should be beyond what the company believes to be reasonable. We provide return to work programs and strive to control the costs involved when employees are injured or need medical care through expert claims management and analysis. We also have "Penalty Rated Programs" that offer discounts to companies determined by the Bureau of Workers' Compensation to have claims beyond the average, or claims that are extensive in their costs to a company's claims reserves.
Our business is yet another way to protect your bottom line. With health care costs going up, fuel prices increasing, and Workers' Compensation costs going through the roof, you have to maintain the most cost-effective measures possible. Workers' Compensation matters can cost you dearly if you don't successfully defend claims by unscrupulous or unethical employees who are trying to take advantage of the system. Even legitimate claims can create a huge financial burden on your company, but CRM and our sister company, H R Department Unlimited (HRDU), can review your Workers' Compensation and ancillary human resource capabilities and determine overall wellness and safety in the workplace, including testing employees for drugs and reviewing or implementing workplace safety programs. Nick Phillips of HRDU will be happy to take your call at (216) 520-1010 or see him online at www.HRDUonline.com. The Bureau of Workers' Compensation provides discounts to drug-free workplaces, and those with wellness programs in place that can mitigate the risk of injury, illness, and disease.
We work with companies that have as few as two employees and as many as 2,000 employees. We can accommodate companies that have a sterling record of injuries with the maximum available discount, and companies with a history of numerous or problematic employee injuries in the lower percentage discount range. At CRM, your company is not just a manila folder among a sea of manila folders. We review each claim in a very in-depth and comprehensive manner, and pride ourselves on being small, intense, effective, and successful.
We're happy to provide your company with a competitive quote on a no charge, no obligation basis. By filling out an AC-3 form, you can authorize us to review your claim history and furnish you with a quote. AC-3 authorization forms may be obtained by calling our office in addition to being available for download from our web site.
Comprehensive Risk Management's third party administration of Workers' Compensation programs is designed to help you protect your company's bottom line. Call Comprehensive Risk Management today, and don't forget to tell them The Advocate sent you!
