Workers’ Compensation

What is workers’ compensation?

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident.

If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.


Proven results

In 2020, our claim advocacy and reserve verifications lowered claim reserves by over $4,003,000 resulting in over $2,051,000 in premium saved due to decreases in their experience modification factor.

How can you control workers’ compensation costs?

There are many ways for you to control workers’ compensation costs for your small business. The most important is to convince your employees that maintaining a safe workplace is vital and will consequently reduce your insurance costs.w



Implement a return-to-work policy in which employees work modified duty until they are fully healthy to do their jobs.


Understand factors

Understand the elements that contribute to your workers’ compensation costs. It is vital that you understand the impact that each brings to your overall pricing.


Safe practices

Orient and train your employees on safe practices necessary for their job functions and tasks.


Prompt reporting

Insist that employee claims are reported promptly, as statistics reveal that for every week that a claim goes unreported, the cost can increase as much as 50 percent.



Investigate the cause of injuries and illnesses. While one injury may be behind you, others will take its place unless you do something to reduce the chance of the incident occurring again.

Certified WorkComp Advisors

We take workers’ comp seriously, knowing it’s the most controllable form of insurance you have. Our Certified WorkComp Advisors work with you to establish a process that reduces costs and improves productivity.

How can UNICO help control work comp costs?

Safety and Loss Control

Reduce the number and severity of workers’ compensation claims through safety programs in the workplace.

  • Assistance and training in the development of a safety committee
  • Creation and implementation of a new employee safety orientation program
  • Employee flyers and presentations
  • Safety meeting topics
  • Written safety manuals and policies
  • Establishment of an injury review process

Claims Advocacy

  • Claim review meetings and consulting
  • Cost of claims analysis
  • Shock loss mod letters
  • Monitoring claims
  • Claim reporting assistance


We help our clients understand their mod rating and provide them with ways to significantly save on their workers’ compensation premiums.

  • Mod premium analysis
  • Discover cost drivers
  • Stay ahead of your losses
  • Control your costs

Return to Work Programs

Get injured employees back on the job sooner with our resources for creating effective return to work programs:

  • Identification of light duty jobs
  • Development of an ADA-compliant written policy and job descriptions

Supervisory Training

Make sure everyone is on board with the loss control initiatives by using our supervisory training materials, which emphasize:

  • The financial impact of employee injuries
  • How to prevent worker injury
  • The basics of cumulative trauma injuries
  • How to improve ergonomics of workstations

Additional Resources

Work Comp Library

UNICO’s resources include Work Comp Forms and Online Resources.

Case Studies

Read more about UNICO and various potential insurance experiences through these Case Studies.

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