AcceleRATE
Our accelerated submission process, AcceleRATE, aims to reduce the
manual effort required to submit a quote by offering you an alternative
method for this data entry.
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Use this accident investigation kit to learn about the steps to take after an unfortunate event has occurred in the workplace. This resource also contains a fillable form for the injured employee to describe their injuries in detail (in English).
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Use this accident investigation kit to learn about the steps to take after an unfortunate event has occurred in the workplace. This resource also contains a fillable form for the injured employee to describe their injuries in detail (in Spanish).
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April 1, 2019
Creating a culture immersed in safety is critical to mitigating creeping claims trends. United Heartland partner, Elim Christian Services – an organization that serves individuals with disabilities – put controls in place to create a safer environment for their employees and individuals served. Elim has since seen a dramatic improvement.
In 2012, due to increasing loss frequency and severity, UH agent partner, Ed Young Jr. of The Horton Group, suggested Elim form an accident review board. The idea was well-received by Elim’s leadership team, and later that year, the Accident Review Board (ARB) was established.
The ARB is a committee whose goal is to provide a safer working environment for employees and individuals served. The committee treats each accident as a learning experience and identifies opportunities to prevent similar types of accidents. Comprised of members from the executive, leadership and human resources teams as well as the insurance agent, insurance agency safety consultant and a member of the UH loss control team, the ARB meets once a month to review employee accidents that occurred during the previous month. The employee and their immediate supervisor attend the meeting to provide a detailed description of how they were injured, and together, the entire team discusses how to improve to prevent recurrence of similar accidents.
Since the ARB was formed, several areas of improvement have helped the organization reverse the increasing claim trend, which includes:
- Engaging the leadership team in improving safety
- Allocating capital to improve safety
- Improving accident reporting, investigation, root cause analysis and corrective action
- Hiring additional staff that specialize in behaviors (Board Certified Behavior Analyst)
- Working with external behavior consultants
- Purchasing new protective equipment for staff
- Changing the organization’s behavior management program
- Implementing the improvements that are discussed during the monthly meetings
The tables below outline the impact the Elim Accident Review Board has had since October 2012. In addition to improved data points below, the team at Elim has noticed a marked improvement in employee morale and safety culture.
| Pre-Accident Review Board | Post-Accident Review Board | |
|---|---|---|
| Avg. number of WC claims per year | 60 | 56 |
| Average size of WC claim | $5,371 | $3,210 |
| WC Experience Mod | 1.25 | 0.87 |
| Premium | $660,013 | $377,983 |
| Net rate | $4.88 | $2.55 |
| Loss ratio | 87% (10-year) |
42% (6-year) |
About Elim Christian Services: Each day, over 900 individuals with disabilities turn to Elim for educational, vocational and therapeutic programming. Over 400 staff members serve these children and adults on one of Elim’s two campuses (Crestwood, Illinois, and Orland Park, Illinois). Hundreds of children are also served within one of 14 Christian schools nationwide that partner with Elim Outreach. https://www.elimcs.org/
To learn more, contact your UH loss control representative at 800-258-2667.
March 15, 2019
United Heartland partner, Elim Christian Services – an organization that serves individuals with disabilities – put controls in place to create a safer environment for their employees and individuals served. Elim has since seen a dramatic improvement.
In 2012, due to increasing loss frequency and severity, our UH agent partner suggested that Elim form an accident review board. The idea was well-received by Elim’s leadership team, and later that year, the Accident Review Board (ARB) was established.
The ARB is a committee whose goal is to provide a safer working environment for employees and individuals served. The committee treats each accident as a learning experience and identifies opportunities to prevent similar types of accidents. Comprised of members from the executive, leadership and human resources teams, as well as the insurance agent, insurance agency safety consultant and a member of the UH loss control team, the ARB meets once a month to review employee accidents that occurred during the previous month. The employee and their immediate supervisor attend the meeting to provide a detailed description of how they were injured, and together, the entire team discusses how to improve to prevent recurrence of similar accidents.
Since the ARB was formed, several areas of improvement have helped the organization reverse the increasing claim trend, which includes:
- Engaging the leadership team in improving safety
- Allocating capital to improve safety
- Improving accident reporting, investigation, root cause analysis and corrective action
- Hiring additional staff that specialize in behaviors (Board Certified Behavior Analyst)
- Working with external behavior consultants
- Purchasing new protective equipment for staff
- Changing the organization’s behavior management program
- Implementing the improvements that are discussed during the monthly meetings
The tables below outline the impact the Elim Accident Review Board has had since October 2012. In addition to improved data points below, the team at Elim has noticed a marked improvement in employee morale and safety culture.
| Pre-Accident Review Board | Post-Accident Review Board | |
|---|---|---|
| Avg. number of WC claims per year | 60 | 56 |
| Average size of WC claim | $5,371 | $3,210 |
| WC Experience Mod | 1.25 | 0.87 |
| Premium | $660,013 | $377,983 |
| Net rate | $4.88 | $2.55 |
| Loss ratio | 87% (10-year) |
42% (6-year) |
Saving time and maintaining cash flow are priorities for any business owner. Our pay-as-you-go solution, AccuPremium, helps you do both. Available to all policyholders, this plan lets us work with you or your payroll vendor to ensure premium payments are simple, efficient and accurate.
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Aerial and scissor lifts are used in many industries because they are mobile and provide easy access to elevated work. Because there are many hazards involved with operating lifts, all employees MUST be trained before using them.
AF Group is a nationally recognized holding company whose affiliated insurance companies are premier providers of specialty insurance solutions offered through independent agents nationwide. Leveraging more than 100 years of experience, AF Group companies offer exceptional customer service and extensive industry knowledge – and continuously strive to increase our long-term value by outperforming industry peers, attracting and developing top talent, and fostering a culture of underwriting and claims excellence.
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We’re committed to doing business with empathy, partnership and expertise while providing superior workers’ compensation solutions that help protect our policyholders, take care of our injured workers, and leave our independent agents confident in their choice to partner with us.
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AF Group’s digital reporting experience offers our agent partners access to secure, dynamic data 24/7. Accessible through our customer portal, the system was designed to provide a convenient way to pull the information you need, when you need it.
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AF Group’s RiskView delivers detailed workers’ compensation loss analysis straight your inbox. Learn more about the features of RiskView in this printable resource.
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AF Group’s legacy workers’ compensation brands — Accident Fund, United Heartland, CompWest Insurance Company and Third Coast Underwriters — are driven by focused and knowledgeable individuals who use industry-leading best practices, analytics and resources to manage risk and minimize loss for our policyholders while strengthening businesses with our valued agent partners.
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By utilizing agency management system integrations, tasks become easier
to complete and require less time, allowing you to serve your customers
better. Utilizing upload capabilities gives you the ability to click a button in
your agency management system (if supported) for immediate access to
information on your customer without having to remember your password.
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Agent Testimonial: Our agent partner Chris explains why she brings United Heartland as a solution for her clients and loves to sell with us.
While other carriers allocate service costs to the claim, we don’t. Learn more about the impact of our medical management services and treatment of allocated loss adjustment expenses (ALAE).
