Business Insurance

A captive program can be a way to both protect your assets and increase your profitability while controlling costs related to liability, property damage, professional indemnity, and escalating benefit costs. Seubert provides an in-depth knowledge of the rules and regulations governing these programs, along with recommendations for partners.

Captives work best for companies that are committed to taking steps to actively manage losses. With our experience and partnerships with some of the most reputable and experienced captive managers in the country, we can help you decide if captives are right for you, and help you get started.

With an average 25 years of experience, your dedicated advocate can handle a variety of claims situations from first notice to final settlement. We work tirelessly to facilitate the claims process, handle complex issues, and resolve any problems that may arise. And, thanks to a strong relationship with our carriers, we can better facilitate the claims process for a fair and timely resolution. We also stay actively involved in the claim investigation, providing accurate and important information to the adjusters to ensure that you receive the claim resolution you deserve.

Client services include:

• Auditing open claims
• Analyzing loss frequency and severity
• Providing detailed plans to reduce premiums
• Preparing detailed reports
• Communicating on a regular basis
• Training and educating your staff to manage and reduce loss

Customized services and consultation

For those looking for additional ways to impact the bottom line, our claims consulting program will analyze cost drivers and customize an appropriate action program. We’ll show you how our unique techniques can have a unique impact on your bottom line by reducing the duration, value, and ultimate costs of your claims. Our claims consulting services might include Claims Review and Reserve Analysis, Reporting Guidelines and Special Handling Instructions, and/or Experience Modification Rating Analysis.

Safety culture: prevent claims

• Launch or enhance safety programs to eliminate workplace hazards and promote a safe work environment.
•  Improve hiring practices to verify that employees are physically fit for the position by making a conditional offer of employment and requiring a pre-placement medical history questionnaire.
• Offer training and orientation procedures to reduce likelihood of accidents caused by new hires, who have a higher rate of injury.

Medical treatment: contain costs

• Develop pre- and post-injury procedures and train employees to ensure that proper claim reporting and filing occurs
• Provide employees with prompt, appropriate medical attention to avoid complications that may result from delayed care and prevent excess treatment, and provide documentation in the event of litigation.

Return to work: retain productive workforce

We’ll establish an Early Return to Work Program to get employees back on the job as quickly as possible by offering modified duty while they recover. This approach can help both parties because the longer an injured worker is out of work due to disability, the less likely they are to return at all.

Claims consulting: improve the bottom line 

Further enhance your loss control efforts through our Claims Consulting program, which analyzes cost drivers and provides detailed action plans to drive down claims costs and prevent future losses.