Workers' compensation, as a universal system, is intended to provide comprehensive medical treatment and defined disability payments to injured workers and their families. Employers pay for the costs of these benefits, mostly in the form of insurance premiums. In hazardous industries such as logging, construction, mining, shipbuilding and many others, this cost, expressed as a percent of payroll, can range from five to over seventy percent. It is a major cost of doing business and also adds to the overall cost of all goods and services. Reducing this cost is accomplished by minimizing workplace accidents and effectively treating injured workers with a goal of rapid recovery and return to work. It's that simple and it's the only way costs can be reduced.

We strongly believe that every job site can be safer. Accident prevention forms the cornerstone of our service philosophy and is emphasized by our field safety professionals continually working with our clients to improve safety in the workplace. We constantly seek and develop new methods to deliver comprehensive safety services to our clients and support numerous industry initiatives aimed at accident prevention.

Knowing that even the safest employers will experience accidents, we have structured a claims operation whose mission is the intensive, immediate, highly personal management of all claims, but most importantly severe injuries. We encourage immediate reporting of all accidents through our toll free reporting and assistance system and our Field Case Managers emphasize a personal coaching, caring approach in guiding injured workers through medical treatment, rehabilitation and full recovery. Full speedy recovery and return to work is the best outcome for everyone.

"Managed Care" means many different things. Our goal in working with medical providers is to achieve timely quality care aimed at full recovery at the earliest possible time. Medical providers of all types are key partners in producing this result. We work with them so that they better understand workers' injuries in relation to physical requirements of their jobs so that the goal of return to work can be accomplished in a timely well planned manner.

We combine these components to produce:
"Managed Results®" = "Managed Safety + Managed Claims + Managed Care".

Everyone benefits from this intensive service approach meaning that all parties are aligned in their interests and objectives:

The Employer - Safer worksites produce fewer injuries; well-managed claims produce lower costs, less lost worktime, and reduced workplace disruption. Fewer injuries at reduced costs means lower experience modifications and lower costs of workers compensation insurance.

The Worker - No one intends to be injured but when injuries occur the worker wants to be healed and be able to return to work as soon as possible. The "workers' compensation system" can be very complicated. Our coaching, caring approach guides the injured worker through this maze always remaining focused on rapid full recovery. Workers confused by the system may be tempted to seek legal advice. Our approach minimizes costly unnecessary litigation.

The Medical Provider - What better result could a medical professional desire than full speedy recovery and return of a patient to gainful employment?

Amerisafe - Providing intensive safety and claims management services is expensive. In the long run these services save in actual claims costs, which allows us to continually price our products as competitively as possible and still produce a profit for our shareholders.

It just makes common sense when you see the whole picture. "Managed Results®" defines the system the way it should work - everyone benefits!