"Your experience and attention to detail helped us avoid a possible “nightmare” down the road if we ever had an accident / emergency." President, Multi-State Engine Manufacturer
"Your loyal and well-prepared colleagues continue to be magnificent and efficient whenever I call your office. You are well-represented. Many thanks for always guiding me through the esoteric NJ law firm insurance world." Partner, New Jersey based Law Firm
"Thank you for the dedication and professionalism exhibited by your staff in keeping the complicated insurance issues of my company in good stead. My risk management concerns were eased allowing me to focus on my other CFO responsibilities. I have worked with many insurance agencies and rank Connolly at the top." Controller, Metal Fabricator, New Jersey
"You have personnel that function at the highest caliber. They are meticulous and immediately researched all of our business insurance concerns and answered all our questions. They are innovative and exceed my expectations 100% of the time..." Director, Finance, New Jersey based Prep School
"W.H. Connolly & Co. is a fine institution and one that still recognizes the importance of responsibility, effectiveness, and competence in New Jersey business insurance." Personal Lines Client, New Jersey
"I would like to express our sincere thanks for all of the guidance and assistance that you have provided with our recent insurance claims matter. Your guidance is analogous to the beam from a lighthouse cutting through the fog and leading us to the safety of the harbor." Mayor, New Jersey Municipality
"Connolly provides incredible customer service. I think that your attention to detail, prompt replies and courteous service make you stand out among New Jersey insurance agencies. We consider ourselves lucky to have you as a member of our New Jersey insurance and risk management team." VP, Senior Risk Officer, New Jersey Hospital
Workers Compensation
Reference Library
Workers’ Compensation, the obligation of employers to be responsible for the costs incurred to treat and indemnify workers injured on the job, is a significant percentage of the insurance budget for many employers in New Jersey, the New York Metropolitan Area and around the country. Although Workers’ Compensation is governed by each state, many issues impacting coverage and cost are the same regardless of the jurisdiction.
Today, employers need to be knowledgeable about their Workers’ Compensation options and their ability to protect their businesses while providing benefits for injured workers.
We advise businesses, institutions and service organizations on issues such as:
- The components of a successful Workers’ Compensation program
- How different state laws can make a difference
- Preventing accidents
- How to best manage claims
- Return to work programs….alternative duty
- The role of Managed Care in Workers’ Compensation
- When is an accident compensable?
We can help you answer these critical questions:
- Who are the strongest, most reliable Workers’ Compensation underwriters in the market today?
- Which one is right for your business?
- What kind of dividends and discounts are available to employers today? Which is my business eligible for?
- How do I analyze my claims experience? What do the numbers really mean for me?
- Why do so many employees go to a lawyer the minute they are injured? Is Workplace Harassment covered by Workers’ Compensation?
- Should I pay small claims out of my pocket or submit everything to the insurance company?
- Do I have to report “every little accident”, even if there are no related medical bills?
- What is experience rating and how does it work? What does my Experience Modification Factor mean?
Other ways to control costs:
- Am I eligible for self-insurance?
- What are "captive" insurance companies? Will they work for me?
- How can I maximize cost savings through:
- Scheduled Credits
- Dividends
- Experience Modification Control
- Employee Class Code
- Managed Care
- Retrospective Rating
- Experience Modification Audit
- Payroll Management