The Connection Magazine The Connection Magazine | Page 6

WORKERS’ COMP SUCCESS
PUTTING
POLICY HOLDERS
BACK ON TRACK
THE BENEFITS OF BROKER-CENTRIC SERVICE AT A.I.M. MUTUAL
FOR MANY carriers today, risk selection is a foregone
conclusion. More and more, analytics are driving
underwriting decisions in the workers’ compensation space.
Rapid improvements in technology are changing the way we
evaluate risk, manage claims, and determine the course of
medical treatment.
Gary Heffernan, Senior Underwriter, and Brendan
Carr, Injury Prevention & Worksite Wellness Consultant,
represent one such A.I.M. Mutual broker-centric team, and
they have seen this approach pay off.
“We take the partnership seriously,” Gary explains. “We call
people back, treat people the way you’d want to be treated,
pay those medical bills on time, arrange quality care, and
provide reliable service. At the same time, it’s not always an
easy day at the beach for employers, and they understand
that. Our claim investigations are thorough, we have an active
return-to-work program, and we give them injury prevention
and wellness direction when we see the need.”
We welcome all these advancements, of course. But what
about those business relationships we work so hard to build?
At A.I.M. Mutual, partnership remains front and center. Our
broker-centric service is built around both technology and
the human element.
Why does that matter? Consider that A.I.M. Mutual
underwriters are looking at the whole picture when it comes
to coverage decisions. Our experienced staff and proven
initiatives give us the flexibility to custom-build programs to
benefit your business clients.
If there’s an uptick in claims for a policyholder, the
underwriter alerts the broker and works with the Injury
Prevention & Worksite Wellness (IPWW) consultant to find
out why. They also consult with the adjuster not only on the
actual claims but on employer involvement.
Working with Employers
With existing policyholders, any spike in losses has the
attention of our underwriting, claim, and injury prevention
teams. Putting an employer back on track as soon as
possible is critical. That may require a meeting of the minds:
yours, ours, and the policyholder’s. Everyone needs to be on
board.
Gary and Brendan cited two recent examples of broker-
centric service at work. In the first, a produce and specialty
foods company had relatively good claim experience when it
hit what Gary calls a “rough patch.” The company, a longtime
insured, saw its loss ratio climb largely due to injuries related
to strains and sprains. Brendan supplied metrics on job risks
along with injury analysis, working closely with the broker
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