Comprehensive risk management starts with comprehensive casualty insurance.
Workers compensation insurance programs range from first-dollar coverage and dividend programs to self-insured programs with specific and aggregate excess coverages. We work to fully understand your industry, company and the intricacies of workers compensation coverage. Our risk management team offers the expertise you need to understand every available option.
A well-structured workers compensation program and services cost-effective and analytical approach to risk transfer:
We also offer comprehensive risk financing alternatives such as:
As workers compensation insurance programs increase in complexity, we bring the leverage of a global broker with innovation-minded service.
The strong relationships we build with leading insurance carriers enable us to successfully negotiate and place coverage for challenging lines of business or special classes of employment. We also ensure you receive unparalleled claims and loss control services.
Our client-centered focus stays up to date on the industry and key issues. As we discover relevant resources about important topics and trends, we will share it with you. Our workman’s comp insurance and risk management team stays updated on the latest legislative developments throughout the United States, including key topics such as healthcare reform and claims administration services.
Our risk management workers compensation team works with you to understand and identify your key issues and how macro trends affect your business. Then we develop a solution that is best suited to protect your organization, employees and any third parties.
Nonsubscription insurance solutions for greater cost control - A nonsubscription program allows employers to opt out of traditionally structured workers compensation programs. This option is only available in select states, but has been implemented by public and private sector entities in several industries. Companies choose a nonsubscription program for the following reasons:
We have designed, implemented, insured and administered legislative-compliant nonsubscriber solutions and consulting services for industries across the state of Texas. Serving hundreds of thousands of employees so far, Gallagher has built a practice that is focused on helping employers navigate these risk reduction programs that are unique to Texas.
Since 2014, the Oklahoma nonsubscription opt-out program allows any employer in Oklahoma to opt out of the state’s mandatory workers compensation system. In response, Gallagher and a partner were instrumental in forming the Oklahoma Injury Benefit Coalition and since 2014 have been leaders in helping to implement solutions originally designed for the Texas nonsubscription programs.