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Total Program Management

Total Program Management

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When it comes to the unique challenges of Workers’ Compensation coverage, this is where you’ll find the solutions. With specialized expertise plus unequaled access to the world’s leading insurance markets (a deep pool of carriers rated “A” by A.M. Best), TPM provides the answers you need.

Workers’ Compensation

Our underwriting model is designed for medium-size companies that may be too small to need their own risk managers, but are large enough to benefit from cost-saving risk management tools.

As a managing general underwriter, we provide policy issuance, underwriting, loss control, premium billing, audit services, and Claims Management. All this, plus customer service with a uniquely personal touch.

Home Health Care Safety Group

Home Health Care Safety Group helps you address the total health of a Health Care company by controlling the costs of Workers’ Compensation coverage, and the risks that drive them, too.

Safety Group members can also qualify for a 20% discount, a competitive quote and the potential to earn significant dividends in future years.

This Safety Group program is a fully insured guaranteed cost plan and members will never be assessed for additional premiums beyond their earned premiums for a given policy year. So it's a safe choice for employers, both financially and coverage wise.

The Home Health Care Safety Group will be underwritten by the New York State Insurance Fund. In the past ten years, NYSIF’s safety groups have returned almost $1 billion in dividends to their members.

Health Care Program

This program answers with innovative approaches, both in Loss Control and Claims Management; we provide these services plus all necessary oversight of your Workers’ Compensation program.

With local expertise plus the strength and stability of policies from licensed insurance carriers rated A (Excellent) by A.M. Best, this guaranteed cost program simply delivers smarter solutions.

Self Insurance

Self-insurance is a carefully designed risk management mechanism in which a company elects to pay for their own losses up to a predetermined level. Companies purchase excess insurance to cover losses, which exceed the predetermined amount. TPM has access to multiple markets that can help you cover this exposure.

Financial Strength

AM Best Rated: A (Excellent)

Types of Exposures
Self insured accounts are normally medium-to-large insured’s that are sophisticated and financially sound organizations with management that is committed to employee safety.
Types of classes include but are not limited to:

  • public entities (municipalities, schools, counties)
  • light/medium manufacturing
  • wholesale distributors
  • self insured associations / groups
  • healthcare
  • hospitality
  • retail
  • technology

Risk Reduction & Loss Control

When it comes to Workers' Compensation coverage in New York and beyond, we're more than specialists; agents trust us as an authoritative resource. Our true specialty is in delivering innovative programs and services to answer the challenges you face:

On-site Risk Assessment
This service includes a comprehensive assessment of a company's current loss programs and a review of hiring practices, plus a review of loss runs to identify specific trends. Then we'll recommend customized programs to help reduce injuries & workers' comp costs.

Safety Committee Participation
We'll attend a safety committee meeting and conduct a complete review of employee accident and indemnity claims including root-cause analysis. Then we'll develop goals and deliver an accountability program for supervisors and managers as well as a new employee orientation program.

Return To Work (Modified Duty) Program
With this program, we'll create or revise a company's current transitional return-to-work protocol including Employee Incident Reporting forms and a Written Modified Duty program for returning employees. We'll also provide training for the point of contact for injured workers.

Telephonic Consultation for Employer Representative
Provides clear answers and expertise for any loss prevention and Workers’ Compensation questions that clients may have.

Cost Driver Trend Analysis
Get a thorough technical analysis of open claims to identify the trends and concerns that can be corrected with loss prevention services. Together with claims representatives, the employer will learn to identify corrective action measures that may reduce injuries and Workers' Compensation costs.

Employee Seminars and Training
Employees will benefit from various educational seminars on topics including proper lifting techniques, patient behavior and physical-facility safety topics.

Customized Programs
Upon request, we will create programs to fit your specific needs, whatever they may be.

Locations Served : New Jersey, New York