Areas OF expertise

MITIGATION MANAGEMENT

 

MitigatiNG YOUr EXPOSURE ACROSS VARIOUS LINES OF BUSINESS

WORKER'S COMPENSATION:

Recommended services: statements, scene investigations/photos, background searches, medical canvass and surveillance


-STATEMENTS: We obtain in-person signed or recorded statements, as well as recorded statements over the phone. Making an assignment for statements as soon after the loss occurs is the most beneficial. People's recollection of events often becomes distorted with time, and critical information can be lost or not accurate.  

-SURVEILLANCE:  this is recommended on cases with there is suspicion of an individual working while collecting WC benefits, when there is an extended period of disability, or if the claimant is suspected of being active outside of their L/D restrictions.

-SCENE INVESTIGATION/PHOTOS: this provides the adjuster with the most complete 'picture' of how the loss occurred

-BACKGROUND SEARCHES: This provides a snapshot of the claimant's financial standing, criminal records, permits/licenses, address listings, DOB/SSN and in some instances, detailed employment history. This also can provide insight on the claimant's interests and activity level via social media.

-MEDICAL CANVASS: This provides a list of facilities that the claimant has treated at, within a certain radius of their residence, as well as dates of treatment. These are especially valuable on cases in Litigation, as your Defense Counsel will likely be able to subpoena the corresponding medical records.




GENERAL LIABILITY:

Recommended services: statements, scene investigations/photos, background searches, medical canvass and surveillance


-STATEMENTS: We obtain in-person signed or recorded statements, as well as recorded statements over the phone. Making an assignment for statements as soon after the loss occurs, is the most beneficial. People's recollection of events often becomes distorted with time, and critical information is often lost or not accurate.

-SCENE INVESTIGATION/PHOTOS: this provides the adjuster with the most complete 'picture' of how the loss occurred. In most instances, the sooner the photos are taken following a loss, the more relevant they will be.  

-BACKGROUND SEARCHES: This provides a snapshot of the claimant's financial standing, criminal records, permits/licenses, address listings, DOB/SSN and in some instances, detailed employment history.

-MEDICAL CANVASS: This provides a list of facilities that the claimant has treated at, within a certain radius of their residence, as well as dates of treatment. These are especially valuable on cases in Litigation, as your Defense Counsel will likely be able to subpoena the corresponding medical records.

-SURVEILLANCE:  this is valuable in cases where the claimant alleges an ongoing period of lost wages/income as a result of a loss.



AUTO:

Recommended services: scene investigation/photos, statements, impact studies/accident reconstruction, Appraisers, background searches, medical canvass and surveillance.


-STATEMENTS: We obtain in-person signed or recorded statements, as well as recorded statements over the phone. Making an assignment for statements as soon after the loss occurs, is the most beneficial. People's recollection of events often becomes distorted with time, and critical information is often lost or not accurate.

-SCENE INVESTIGATION/PHOTOS: Obtaining photos of the accident scene is often an important factor in determining liability.

-BACKGROUND SEARCHES: This provides a snapshot of the claimant's financial standing, criminal records, permits/licenses, address listings, DOB/SSN and in some instances, detailed employment history.

-MEDICAL CANVASS: This provides a list of facilities that the claimant has treated at, within a certain radius of their residence, as well as dates of treatment. These are especially valuable on cases in Litigation, as your Defense Counsel will likely be able to subpoena the corresponding medical records.

-SURVEILLANCE: this is valuable in cases where the claimant alleges an ongoing period of lost wages/income as a result of the accident.

-IMPACT STUDY/ACCIDENT RECONSTRUCTION: these can be useful on litigated cases, for determining liability, and the potential for bodily injury.



PROPERTY:

Recommended services: scene investigations/photos, statements, background searches, Experts, IA assignments and receipt verification


-STATEMENTS: We obtain in-person signed or recorded statements, most time at the loss location. Making an assignment for statements as soon after the loss occurs, is the most beneficial. 

-SCENE INVESTIGATION/PHOTOS: Obtaining photos of the property damage, and as soon after the loss occurs, is critical.  

-BACKGROUND SEARCHES: This provides a snapshot of the claimant's financial standing, criminal records, permits/licenses, address listings, DOB/SSN and in some instances, detailed employment history.

- EXPERT & IA ASSIGNMENTS: we partner with various local experts needed to assist in investigating your loss, such as C&O Experts, and IA's.

- RECEIPT VERIFICATION: we verify that all receipts submitted are from a valid company, and that the invoice submitted was one of theirs, and for the dollar amount (s) listed.



AUDIT/AUDIT DESIGN:


Are your average case costs increasing? 

Are your adjusters capturing the necessary and critical information needed to make an informed claims decision?

Is that 10 minute initial contact with the claimant enough to make a claims decision that could ultimately cost your company tens or hundreds of thousands of dollars?

Are your cases staying in litigation too long?  Are you settling cases in excess of their true value? 

Are certain attorney's getting you better results than others, on similar type cases? 

Are your files sufficiently reserved for the most probable future exposure?

Do your current audits capture  what is truly relevant in today's claim handling environment?


Call us today to set up a consultation!