Safety and Claims

Safety Services
Safety Services goal is to provide clients with professional services in the areas of occupational safety, health and environmental issues. Safety services assist clients in minimizing exposure to hazards affecting employees, property, and the surrounding environment that will ultimately reduce an employer's overall exposure to risk. Willow Tree Consultants LLC will work to identify loss sources, both current and potential, and establishing ways to minimize exposures. We will:

Review Exposures – We conduct a thorough study of the client’s history including exposures and accidents.

Analysis – We provide an in-depth review of your current loss control program and a comparison with “best practices” in the industry.

Identify – We discuss with appropriate individuals to pinpoint areas of potential improvements.

Implementation – We developed an agreed upon action plan which includes recommendations where necessary to strengthen your existing program.

Confirmation – We confirm in writing of our discussions, goals, and recommendations.

Additional Services Include:
Written Programs – We assist you in reviewing and developing comprehensive, company specific, written safety procedures covering the various risks existing on your premises.

Online/In Person OSHA Compliance Training in English or Spanish – Our team of experts will provide onsite OSHA 10 & 30 hour training for construction and general industry. Convenient online training program is also available to meet OSHA training needs.

Specific Safety Training - We provide excellent, interesting training in English and Spanish on any safety related topic including Focus Four, Fall Protection, Crane Safety, Forklift, Hazard Communication, Job Hazard Analysis etc.

Safety Manager Outsourcing – We may place an experienced, trained safety manager onsite to oversee the daily safety responsibilities. The primary purpose and benefit of the on-site safety manager is to ensure that the safety process is integrated at all aspects of the jobsite, provide daily safety orientations, conduct safety audits and meet the overall safety needs of the client.

Comprehensive Safety Culture Assessment – We measure employees’ perceptions about the overall effectiveness of the organization’s safety culture. The outcome of this assessment will serve to diagnose the target improvement areas and determine the paths of resistance that are delaying change. The results can also be used as a performance measure to assess the success of ongoing safety improvement efforts, as well as to benchmark performance against other organizations. Finally, the assessment provides an avenue for employee input into safety improvement efforts.

Implementation – We assist you in implementing various safety and loss control processes that fit with your goals and objectives. Implementation consists of performing surveys, audits, and interviews gathering information and creating a corporate commitment to the set procedures.

Training – We assist in developing and presenting training courses, literature, visual aids, and other material for commitment with safety process (i.e. hazard communication, hazardous waste disposal, fire brigade, accident prevention, etc.). All training is available in Spanish.

Automated Safety Auditing System — We provide a state of the art data base generated reports that target leading indicators that could potentially lead to injury. Reports are immediately emailed to critical parties in order to correct issues. Trends are monitored and training initiatives are developed based on leading indicators.

Consulting – We consult on special problems (i.e. ADA Title III Compliance, OSHA compliance, environmental compliance); services to include performing audits of existing conditions and providing general consulting to safety/personnel committee. Services also include providing regulatory information and assisting clients to comply with federal, state and local regulations. Consulting services may also include performing consultations as required by Division of Workers’ Compensation.

Expert Witness Testimony:

OSHA and Safety Issues
Workers’ compensation
Risk Management
Construction

Claims Management Services
We will directly assist our clients in all claims matters to ensure prompt and fair claim settlements. We will tailor our service plan to meet your needs. The best claim management method is to control the exposure before the claim happens, but in our modern work environment claims are going to happen. Then it is very important to manage the claim to ensure that the insurance company is handling the claim in the most expeditious manner possible. This service can be provided for all lines of insurance coverage. We will assist you with the following as you select:

Client Representation – Should claim problems arise, we become your advocate. We will attend hearings. Our claim specialist will be a strong advocate to ensure the claims are concluded in the most cost efficient manner. We will assist you in determining which claims should be handled internally and which claims should be reported to the insurance company. This will help control the effect on the Experience Modification Rate and help control the insurance premium level.

Accident Investigation – Depending on your needs we will investigate accidents as soon after the accident as possible, take statements, provide training in filling out forms and on line reporting. We will make sure the drug & alcohol test is done in the appropriate time frame.

Control and Monitoring – We maintain our own loss records. By doing so, we follow up with the carrier until the claim is finalized. This enables us to ensure prompt and equitable settlements with minimum delay.

Quarterly Reports/Meetings – We will provide quarterly Up-Dates on outstanding claims to the appropriate individuals as well as attend claim reviews with the agent/broker and the insurance company.

Claims Review - We will review claims to make sure the insurance company is doing those things it is required to do and to make sure that the claim is handled in a timely manner. We will work with the insurance claims adjuster to make sure the reserve is set properly and to get the claim closed as soon as practical.

Transitional Duty -We will assist you in setting up light duty or early return to work programs and set up a bonified offer program.

Interaction - We will contact Doctors about medical issues; go with the injured party to the Doctors well as be the contact for the injured employee if they have questions about the process. We will act as the liaison between the insurance company and your employee.

Designated Claim Adjuster and/or Supervisor – We will work with the insurance carrier to secure a claim adjuster designated to handle all claims for a specific product line and state jurisdiction. This claim service provides you with a primary claim contact that knows your business and sets the foundation for a mutually beneficial business relationship as well as additional claim expertise through the supervisor.

Risk Management Information Service – We will work with the carrier to configure loss data contained in the monthly loss reports to fit specific management needs.

Auditing – We will conduct claim audits, upon request. This will ensure proper reserving of claims, thorough claims investigation and appropriate payments.

Litigation - We will provide assistance with any litigation and act as an expert witness on an as needed basis.

*All Services are offered in both English and Spanish

Other related Services: Risk Strategies and Management