
Aug 03, 2023
How to Avoid a Costly Claim During Harvest SeasonUnderstand what makes a safe workplace and be sure you know how to avoid a costly claim during harvest season.
Even with the most robust of loss prevention strategies, occupational injuries or illnesses are an unfortunate reality. That is why it is important to have an experienced claim professional to help navigate the increasingly complex Workers’ Compensation system.
We understand that claims dollars play a primary factor impacting not just your insurance premiums, but productivity, employee morale, and profitability. Should an accident occur, the next best strategy is to take necessary steps to contain the costs of the loss. Our team is ready to support your organization, leveraging their years of experience, key relationships, and strategic approach to claims management.
Our goal is getting your injured workers the appropriate level of support and care they need to return to work. We advocate for both employer and employee by fostering strong communication and partnership between all parties involved. This ultimately reduces friction points, resulting in more efficient and effective resolutions.
The following steps are taken to support your internal claim management efforts:
First Report of Injury
Claim Status & Reserves
Experience Modification Reconciliation
Most states require an employer to report a workers’ compensation claim directly to their carrier, which can be accessed through our Carrier Contacts page. If your employee has sustained an injury at work, but does not require or desire medical treatment, they should complete a Declination of Medical Treatment form.
If an employee does require medical treatment, you MUST provide access to a medical provider and the DWC-1 Form within one (1) working day of your knowledge of the injury. Please feel free to contact our office at 805-543-6887 for additional assistance.
Aug 03, 2023
How to Avoid a Costly Claim During Harvest SeasonUnderstand what makes a safe workplace and be sure you know how to avoid a costly claim during harvest season.
Jul 27, 2023
Liability Policies: What is the Difference between Occurrence vs. Claims Made Policies?Learn about Liability Policies and understand topics like: "What is the Difference between Occurrence vs. Claims Made Policies?"
Jul 20, 2023
New Business BasicsOur team of experts at Morris & Garritano is here to help, ensuring you have access to personalized care and expert advocacy.
Jun 22, 2023
How a Return-to-Work Program Can Contain Costs and Boost Your Bottom-LineAs an employer, you play an essential role in the recovery of injured workers. Learn how a Return-to-Work Program can contain costs and boost your bottom-line.
Jun 08, 2023
Surety Bonds 101: What Are They and Who Needs One?Learn about Surety Bonds: what they are, who needs one, and how to get them. Our qualified team at Morris & Garritano is here to help!
May 25, 2023
Electrical Panels and Property Coverage IssuesLearn about the correlation between electrical panels and property coverage issues as carriers aim to incentivize safety and minimize risk.
Apr 27, 2023
Property Claims, Mitigating Future LossesFrom preventative maintenance to proper documentation, learn strategies for mitigating future losses and avoiding property claims.
Apr 21, 2023
Property Claims, the Repair ProcessUnderstand property claims, the repair process, and how to handle the aftermath. Here's what our experts at M&G say.
Apr 13, 2023
Property Claims, Dealing with the DamageUnderstand property claims, dealing with the damage, and what to do in the process. Here's what our experts at M&G say.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.