Lowering Premiums is Our Business

Consulting Services

Spooner Consulting Services provides companies the tools to lower premiums and control costs.
Take back control of your budget and end runaway workers’ comp costs!

Consulting Services | Spooner Inc.

Workers’ Compensation Program Review

Spooner will perform a stress test on the health and well-being of your workers’ compensation program. We will help you identify deficiencies that result in unnecessary losses. We will also empower your staff to hold vendors accountable for the services they provide.

Safety Review

Our certified safety professionals will perform a top to bottom review of your safety programs and identify any areas that need improvement. We’ll recommend a comprehensive plan that will lower your workers’ compensation costs and keep your staff safe while keeping you in compliance with regulatory mandates. For a complete listing of our safety services, please visit our Safety Services page.

 


File Reviews


File Reviews provide assurance that your claims are properly handled by your claim administrators. We’ll help identify potential issues in: initial claim investigation, reserving, determining the medical necessity of treatment, contesting inappropriate allowances, lost subrogation opportunities, and ineffective defense.
 


Reserve Review


Spooner’s review will determine if claim reserves accurately portray expected future losses. The review will help identify situations of over or under-reserving and recommend strategies to lower future exposure. Our report will assist you with accurate forecasting and accruals.
 

 

 

Experience Modification Rate (EMR) Review

Spooner will provide you the tools to lower your EMR and give you an edge over your competition when bidding on work. Our goal is to make sure that your company doesn’t lose business and money because of a high EMR.

 


Experience Modification Rate | Spooner Inc.
 

NCCI and Workers’ Compensation Classification Code Review

Every year employers across the country pay hundreds of thousands of dollars more in premium. Spooner will review your NCCI and workers’ compensation classification codes to make sure you aren’t overpaying.

 

Self Insurance Evaluation

Spooner will research and provide an analysis to see if self-insurance could benefit your company. The analysis will include an actuarial risk/rewards analysis along with an in-depth review of what requirements and systems needed to make the program an ongoing success.

 

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