Products & Services

Claims Consulting

Our Claims Division is structured to promote the most efficient handling and resolution of property, liability, automobile, and workers’ compensation claims. In addition to our basic claims services, which benefit all Gibson clients, we’ve developed a Claims Consulting program.

This consultative program is designed to analyze claim cost drivers and customize an appropriate action program. In the process, you’ll receive a precise illustration of how our techniques impact your bottom line by reducing the duration, value, and ultimate costs of your claims, which decrease your short- and long-term insurance costs.

CLAIM AUDITS

• Perform periodic audits of open claims
• Verify proper loss reserves for the injury and associated future costs
• Strive for loss reserve reductions
• Actively manage claims and pursue resolution
• Propose recommendations to adjusters to facilitate claims settlement

EXPERIENCE MODIFICATION ANALYSIS

• Identify controllable Experience Mod
• Audit current Experience Mod for accuracy
• Projections for upcoming year
• Mod manipulation

LOSS HISTORY ANALYSIS

• Graphs and charts to identify loss frequency and severity
• Average costs of all medical only and lost time claims
• Notification of causation trends to Loss Prevention Division

CLAIM REPORTS

Claims summary reports provided as needed:

• Claims status updates
• Detailed plans of action
• Breakdown of incurred reserves
• Documented reserve adjustments with explanations
• Detailed file information from all parties involved - physicians, attorneys, adjusters

PROVIDER REVIEWS

• Locate, interview and facilitate selection of your designated workers’ comp. health care provider
• Develop list of preferred providers (PPO Networks)
• Facilitate meeting between designated provider and client claim staff

PERSONAL INTERACTION

• Educate your staff on claim procedures
• Communication of proper procedures to ensure the most efficient outcome
• Assist in developing return to work programs
• On-site claim reviews and/or conference calls as needed