Total Workers Comp
Protect Your Team, Reduce Your Costs
Total Workers Comp combines comprehensive coverage with proactive claims management and preventive health programs to reduce premiums by 18-27%. We turn workers' comp from a cost center into a competitive advantage.
What makes it different?
Unlike traditional workers' comp that just pays claims, Total Workers Comp is integrated with PHP 360 preventive health, reducing workplace injuries before they happen and dramatically lowering your experience modification rate. Pay-as-you-go billing means no large deposits.
Understanding Total Workers Comp
Ideal For
Businesses with 10+ employees in any industry, especially those with physical labor, manufacturing, construction, or healthcare workforces. Particularly effective for companies experiencing high premiums or frequent claims who want to reduce costs through prevention rather than just insurance.
Premium Reduction
Billing Model
States Covered
Claims Reporting
Employer Benefits
- ✓Premium Reduction
Save 18-27% through integrated prevention programs
- ✓Pay-As-You-Go Billing
No large deposits, as premiums sync with actual payroll
- ✓Proactive Claims Management
Dedicated adjuster and return-to-work programs
- ✓Experience Mod Management
Lower your EMR for long-term savings
- ✓Safety Program Support
OSHA compliance and workplace hazard assessments
Employee Benefits
- ✓Fast Claims Processing
24/7 claims reporting and rapid response
- ✓Quality Medical Care
Access to top-rated occupational health providers
- ✓Return-to-Work Programs
Modified duty options for faster recovery
- ✓Preventive Health Access
PHP 360 integration for ongoing wellness support
Traditional vs. Total Workers Comp
Traditional Workers' Comp
(Reactive approach)
- •Large upfront deposits required
- •Claims handled reactively after injuries occur
- •Premiums rise with each claim
- •No integration with preventive health
Total Workers Comp
(Prevention-first approach)
- ✓Pay-as-you-go, with no large deposits
- ✓PHP 360 prevents injuries before they happen
- ✓Lower EMR = lower premiums over time
- ✓Integrated MSK programs reduce surgical claims 66%
"Prevention costs less than treatment. Always."
How We Reduce Your Premiums
Our integrated approach combines insurance expertise with preventive health programs:
- 1.PHP 360 preventive health reduces workplace injuries
- 2.MSK programs prevent and treat common workplace injuries
- 3.Proactive claims management reduces claim costs
- 4.Return-to-work programs shorten disability duration
- 5.Lower experience modification = lower premiums
PHP 360 Integration Results
When combined with our PHP 360 preventive health program:
- ✓66% reduction in MSK surgical claims
- ✓40% fewer ER visits
- ✓Virtual physical therapy access
- ✓24/7 injury triage
Frequently Asked Questions
How does pay-as-you-go billing work?
Instead of large upfront deposits and year-end audits, your workers' comp premium is calculated and collected with each payroll run based on actual wages. This improves cash flow and eliminates surprises.
What is experience modification rate (EMR)?
Your EMR compares your claims history to similar businesses. A rate below 1.0 means fewer claims than average and lower premiums. Our prevention-first approach helps reduce your EMR over time.
How quickly are claims processed?
We offer 24/7 claims reporting. Once reported, a dedicated claims adjuster is assigned and begins working immediately. Most claims are acknowledged within 24 hours.
Do you cover all states?
Yes, we provide workers' comp coverage in all 50 states, including monopolistic states. We handle all state-specific requirements and compliance automatically.
Free Resources
Download our guides to evaluate your workers' comp strategy.
Getting Started
Risk assessment
Custom quote
Safety review
Policy setup
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