Looking for an agency that understands the complexities of the California workers compensation system? We can help! Beach & O’Neill Insurance Associates, Inc. writes workers compensation insurance for all types of California employers. We currently service insurance policies for employers ranging from the barber and beauty industry to auto garages, printing firms, manufacturers and construction companies.

We offer invaluable services to the most complex risks because our agency puts a heavy emphasis on placing tough classes of workers compensation insurance. For example, construction insurance has emerged as one of the most difficult classes of workers compensation insurance to write due to high severity claims and the frequency of losses. However, we can assist nearly any type of account, whether construction, or not, that is committed to reducing their workers compensation expense through proactive service and education. Following are examples of some of the services we provide to our clients on a daily basis:

1. Review and Monitoring of claims in prior policy terms that impact experience modification calculations.
   
   
2. Claims follow up and review prior to carrier unit stat filing to Workers Compensation Insurance Rating Bureau
   
   
3. Assistance in reporting suspected workers compensation fraud
   
   
4. Assistance in understanding the benefits of an alternative work program (formerly return to work program) and how it can reduce claims expense that affect experience modifications.
   
   
5. Forecasting of experience modification to correspond with your normal anniversary date
   
   
6. Assistance in understanding the importance of 30 day medical control and the handling of claims as “first aid.”
   
   
7. Help with understanding your experience modification and how it works.
   
   
8. Reviewing your account for application of available premium credits that will affect your rates
   

In addition to the value added services our agency can offer your account, we represent several carriers that can provide you with alternative premium indications. If you are interested in a workers compensation quote, please complete our online quote request form and an agent will contact you. We can help you understand the entire workers compensation process from coverage placement to final audit and claims management. Contact us today to discuss your account and what we can do for you.