Exclusive Workers' Compensation Solutions for Auto Dealers
ProComp policyholders are a special group of dealers dedicated to the prevention of workplace injuries and reducing the expense of Workers' Compensation coverage. ProComp is a dedicated agency providing a Workers' Comp program designed exclusively for auto dealers and backed by the security of an "A" rated insurance company with local offices to serve you.
Our commitment to excellence, combined with understanding the needs of our customers and our expertise in the design of risk management programs provide auto dealers with the quality coverage of the most competitive rates available in the market.
ProComp customers are part of an exclusive club of top tier dealers that receive the benefit of low rates resulting in:
- "World Class" Loss Control & Claim Prevention
- Fraud Investigation & Prosecution
- "A-Team" Legal Defense Panel
- Strict Underwriting Guidelines
Our number one goal is the development of long term profitable relationships with our dealer partners. ProComp customers have justifiably come to rely on our knowledgable professionals who combine responsive service with innovation in developing customized programs.
The Workers' Compensation system is a complicated set of laws and regulations. Increasing costs of medical benefits combined with the recent case law that affects indemnity benefits and the incentive to litigate are cost drivers that impact premium rates.
Since its founding, ProComp has served the Workers Compensation needs of auto dealers. That has always been our sole focus and remains so today. All of our key personnel have one primary objective - to serve our customers. Our experienced staff will provide prompt responses to your technical question and concerns ranging from medial/disability issues to loss prevention solutions to individual claims reviews, we're there to work for you and with you.
ProComp, through the insurance carrier and private service providers, offers "World Class" safety and loss prevention resources and proactive claims management team assigned exclusively to the auto dealer program. Getting injured employees back to work quickly - and providing positive communication and assistance during the rehabilitation process - is one of the most important aspects of our successful auto dealer Workers' Comp program.
The Dollars and Sense of Workers' Compensation
No matter how safe an employer tries to make the worksite, accidents can still happen. The National Safety Council reports that a disabling injury occurs every 1.3 seconds in the U.S., over 63,000 every day, and the Social Security Administration predicts 3 out of 10 workers entering the workforce today will acquire some type of disability before they retire.
Lower your XMOD... Typically, every dollar spent on the cost of a Work Comp claim (the first $7,000 of each claim) will cost the employer more than $3 in future premiums. Workers' Compensation is the type of insurance where a dollar in claim cost has a direct effect on future premiums. The decisions you make concerning your claims management team can have a significant long term effect on your experience mod. When a workplace injury occurs, specialized claims management and oversight consultation will impact the ultimate cost of the claim and will help minimize the influence on your experience mod.
The decision you have to make in choosing a broker and program specific to your dealership needs can have a significant long-term effect on your Workers' Comp expense. ProComp represents your interests and will provide the resources and tools necessary to achieve the best possible outcome.
ProComp "World Class" Loss Control Program
The safety engineer assigned to your dealership will complete a comprehensive ProComp Safety Survey to alert you to work place exposures and will provide oversight assistance to your current environmental, health and safety consultant.
The ProComp loss control program is a culture based plan that is a custom tailored to meet each dealer's requirements. The loss control and prevention plans are dealer specific. Your survey includes a complete historical injury analysis and recommendation for any necessary modifications to your current safety programs.
Safety Training Materials & Resources
- Claims Kits - Claim Reporting and Injury Investigation Forms
- Code of Safe Work Practices by Department
- Emergency Procedures
- Hazard Communication and Waste Management
- Job Descriptions by Department
- Job Safety Evaluations
- OSHA Record keeping
- Safety Inspections
- Safety Meetings
- Safety Policy
- Safety Rules
- Safety Training
- Supervisor Injury Investigation Form
- Workplace Violence
ProComp Claims Management
Effective claim management is the key to reducing the cost of your Workers' Compensation coverage over time.
ProComp dealers can rely on the security of an "A" rated carrier and the accessibility of in-state claims offices to serve you. The ProComp designated claims teams is employed by the carrier, not an independent service, allowing you to develop a working relationship with the team examiner assigned to your dealership. Your examiner has the lowest case load in the industry assuring you the very best service and personal attention.
A supply of claim kits is provided to all ProComp dealers. The kits are designed to provide you with individual "jacket" for each claim and contain all of the forms and investigation reports necessary for you and the employee.