Our pro-active process begins before any injuries occur and doesn’t end until your claims are closed. We’ve developed a strategy for each step of a claim that guarantees every incident has the smallest possible impact on your Experience Modification Rate (X Mod), if any.

Our pro-active process begins before any injuries occur and doesn’t end until your claims are closed. We’ve developed a strategy for each step of a claim that guarantees every incident has the smallest possible impact on your X Mod, if any.

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**Bringing you a solution to a very complex problem.**

Every participating party in the Work Comp System has a direct financial incentive to drive up the cost of your claims. We put barriers in place to protect your X Mod against the inflationary nature of this system.

Click the slides below to explore how everyone involved in the system makes more money when claims cost increase.

The Problem

Nature-of-the-Problem-Test

Doctors

DOCTORS

Employees

EMPLOYERS

Attorneys

ATTORNEYS

Carriers

CARRIERS

Brokers

BROKERS

**Bringing you a solution to a very complex problem.**

Every participating party in the Work Comp System has a direct financial incentive to drive up the cost of your claims. We put barriers in place to protect your X Mod against the inflationary nature of this system.

Use the tabs on the left to explore how everyone involved in the system makes more money when claims cost increase.

Two Unique Platforms

The Work Comp System cannot be solved with a quick fix. It requires a multi-faceted approach specific to your company’s needs.

We have created two platforms, X Watch and Overwatch, to have the best strategies available for companies small and large.

Xwatch_Logo

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Designed with small and mid-size employers in mind, X Watch includes all appropriate resources and oversight necessary to effectively manage a company’s Experience Modification Rate.

Overwatch_Logo

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Larger companies need a custom plan. Overwatch is designed for companies that have ability to take on risk and need an architect to ensure the policies and strategies are appropriately structured and proactively managed.