The insurance company doles out your money and you don’t have any say in it.


Isn’t it time to take control of your Workers’ Comp?

Workers’ Comp is the way employers finance employee injuries. For every dollar the insurance company spends, you are likely to pay back $2.00 to $3.00.
 It’s our job to stop the borrowing at such high interest rates.


Because Workers’ Comp is so complicated and confusing, employers are left to assume that their premium audit reports are accurate and their Experience Modification Factors are correct.  However, because of mistakes rampant in the Workers’ Compensation system, at least 50% of businesses are overcharged for their Workers Comp insurance.


To help employers solve the problem, The Institute of WorkComp Professionals (IWCP) trains, tests and certifies selected insurance agents to help employers. Completing a rigorous workers’ compensation training program, the Certified WorkComp Advisor (CWCA) knows how to find errors and overcharges rampant in Workers’ Compensation accounts that result in immediate cost-savings for employers.


That’s just the beginning. CWCAs’ commitment to on-going workers’ compensation education means that they know the practical, proven processes that reduce Workers’ Comp expenses over the long-term, making employers more competitive. Over the past ten years, CWCAs have saved businesses millions of dollars in unnecessary Workers’ Compensation expenses.


It’s the Institute’s Process that delivers measurable, long-lasting, cost-saving results for employers.


Stop thinking of Workers’ Comp as insurance to really understand it

Workers’ Comp is the only insurance over which you have complete cost control. CWCAs have the definitive guide for recovering money you’ve already paid for your Workers’ Comp insurance and then creating an overcharge-free program.


Once you understand why errors occur, you can see how easily money is left on the table.


  1. Causes of errors
  2. Not knowing your minimum Experience Modification Factor.
  3. Not knowing how much money you’re wasting by not knowing your minimum Experience Mod and not having processes in place to reach it.
  4. Misclassifying employees.
  5. Injured employees off job too long receiving insurance company money.
  6. Lower productivity and mistakes when injured employee is off, and others, less experienced, fill in.
  7. Work flow disruptions when an employee is injured.
  8. Poor hiring practices put “injury prone” persons on the payroll.
  9. Inadequately trained supervisors.
  10. Delays in reporting employee injuries.
  11. Management and employees not understanding Workers’ Comp, such as when injured employees receive first check when injured, and what you can do about it to swing the odds in your favor.
  12. Cost of slow response by medical providers, claims adjusters, employers when an injury occurs.
  13. Look how many people are involved in the WC system, errors are bound to happen:
  • Insurance company person who determines proper classifications and pricing.
  • Claims adjuster when employee is injured.
  • Medical providers who may not be familiar with Workers’ Comp system.
  • Multiple medical providers treating same injured employee from first treatment to specialists, all reporting to insurance company.
  • Company employed auditor and independent auditors.
  • Automation input clerk.
  • Insurance agent and staff.
  • State rating bureaus.
  • State regulatory bureaus.
  • Your team that works with Workers’ Comp.


Conclusion: Workers’ Comp doesn’t pay for employee injuries. You do!

As an employer, you’re the one who pays for your employee’s injuries. That’s why it’s so critical to have a proven process in place any time an injury occurs.


Your Workers’ Comp policy levels out the peaks and valleys of injury costs by financing them over a three- to four-year period.


With insurance company claims adjusters overwhelmed by heavy caseloads, you can’t notify the insurance company when an employee was injured and wash your hands of the situation. It’s your money, which is why having a process in place to minimize the cost of an injury and expedite your injured employee’s return to work is essential.


To hand the responsibility for managing Workers’ Comp claims to the insurance company leaves you exposed to higher than necessary costs.


CWCAs keep in touch


CWCAs craft an injury management program that fits a company’s culture and budget. Unlike many insurance agents, they keep employers informed and provide valuable resources.

For example, with OSHA on the prowl, you want to know what to do when they knock. In the same way, a CWCA would provide you information on PEOs.


The results tell the story

The success stories tell how CWCAs have helped employers from those with a small workforce to those with thousands of employees. Click here.

Employers make more money by working with Certified WorkComp Advisors
The Institute of WorkComp Professionals trains insurance agency personnel to become Certified WorkComp Advisors who know the entire Workers’ Comp system. Today, there are more than 800 certified members of the community across the country.


The Institute sponsors a variety of Workers’ Comp educational opportunities for Advisors, as well as Certified WorkComp Specialists who support Advisors in more than 300 insurance agencies.


Member Advisors and Specialists are trained to find errors in Workers’ Comp audits and Experience Mods that provide immediate benefits to employers. They also know practical processes that reduce employer costs over the long-term.


The depth of the Institute’s knowledge, tools and support network make it the leader in training insurance agents as experts in Workers’ Comp and Injury Management solutions.


Certified WorkComp Advisors provide significant employer benefits

  • Locate mistakes in Experience Modification Factors and follows through to make sure they are corrected.
  • Verify audit to identify and correct mistakes and errors in preparation for the insurance company auditor.
  • Obtain refunds for “money left on the table.”
  • Demonstrate to employers how they and not the Insurance Company ultimately pay for injury costs.
  • Demonstrate to employers how “Bidding and Quoting” their Workers’ Compensation Program is their least effective strategy to drive down their costs.
  • Help employers establish a process for reducing costs and eliminating future errors.
  • Help employers with their hiring process, where Workers’ Compensation problems start.
  • Focus on obtaining the right treatment, from the right doctor at the right time to provide the most effective care to injured employees.
  • Train supervisors on the importance of and how to manage Workers’ Compensation.
  • Help employers minimize the risk of losing a valued employee when they are injured and enter the Work Comp System.
  • Create a process to get injured workers back on the job quickly and fairly.
  • Assist in implementing processes that reduce lost workdays due to injury by 60% to 80%.
  • Assist employers in reducing litigation arising from injured employees.
  • Serve as a continuing advisor to employers.

The Institute also keeps Advisors up-to-date on rule changes and new tools for enhancing their value to employers.

The Institute’s Process as practiced by Certified WorkComp Advisors make a significant difference for employers. Here’s what a few have to say.


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