Our proven measurable processs for eliminating mistakes and helping employers cut costs.

1. Business Insurers of theCarolinasWorkers CompensationConsulting Services

2. The Typical Workers Comp Management Program

3. Audit/ Experience Modification Major Problem Areas

4. What Is The Experience Modification? A financing mechanism for employee injuries Calculated by the state rating bureau A payroll weighted ratio of actual claims incurred vs. expected claims predicted 1.0 is average – This number is multiplied by your client’s WC premium Each policy year goes into the calculation for at least 3 years Many are incorrect… Almost all are mismanaged

6. BIC Solutions Tailored To Fit Any Organization “Orchestrate HR” – HRIS and payroll system Employee Testing – Find The Best Applicants HR Documentation And Procedures – Compliance Employee Manuals Safety Inspections Claims Management – Optimize Outcomes “Recover At Work” Programs Establish Clinic Relationships Insurance Audit Review – Fix Mistakes Insurance Audit preparation – Prevent Mistakes Experience Modification Review and Monitoring – Maximize Discounts Forecasting Modifications And Premium

7. Have Your Clients Overpaid?

8. BIC Results

9. BIC Results

10. BIC Results