Berkshire Hathaway GUARD
Workers’ Compensation

 

Workers’ Compensation is a “must-have” for most employers; meaning, it’s required by law. The policy covers medical expenses and lost wages resulting from a job-related injury/illness and is pretty standard among insurance companies. Berkshire Hathaway GUARD distinguishes our Workers’ Compensation coverage by providing a host of valued-added services before, during, and after a claim. With offerings such as up-front loss control measures to identify and correct occupational hazards, responsive claims handling, and the facilitation of quality medical care (when an accident does occur), we’ve been protecting our policyholders and their employees for decades.

 

Coverage Highlights

• Mono-line or Multi-line coverage
• Tiered price structure
• Premium discounts (based on account characteristics)
• “Pay-as-you-go” Billing

Target Industries

Value-Added Service

• LOSS CONTROL
  •Experienced, accessible staff
  
  •Online resources including video library and educational flyers
  
  •Access to “Smart Risk-Management” devices that use technology to detect and prevent hazards
  
  •Professional help lines and websites
  
  •Customized services for more complex accounts
• CLAIMS HANDLING
  •24/7 claims reporting hotline and online reporting options
  
  •Picture/document upload via web portals
  
  •Nurse triage and specialized, in-house Medical Only, Early Invention, and Complex Claims Units (segmentation allows fast response to minor incidents while focusing expert resources on more complicated cases)
  
  •Dedicated Subrogation, Litigation, and Risk-Mitigation Teams
  
  •Special Fraud Investigative Unit and hotline
  
  •Fast, fair, and responsible adjusters
• MEDICAL MANAGEMENT
  •Activities coordinated through affiliate GUARDCo, a specialist in health care management
  
  •Agent/policyholder online access to extensive network of conveniently located medical providers and occupational health specialists
  
  •Preferred medical provider panel issued with policies (as allowed by state)
  
  •Telephonic, virtual, and field case management, including vocational rehabilitation plans
  
  •Medical bill review, hospital audits, and prescription drug management
• RETURN-TO-WORK PROGRAM
  •Balancing quality medical care with transitional employment strategies that conform to physician recommendations
  
  •Sample management statement
  
  •Readily available job descriptions
  
  •List of alternative/modified duties and access to third-party, temporary job placement
  
  •Help with program monitoring

Learn more at www.guard.com