Premium Reduction CenterDUNCAN FINANCIAL GROUP · KEYSTONE

The repeat problem

The same injury keeps showing up. Different employee, same cause.

Most companies don't have a claims problem. They have a repeat problem. The claims look unrelated on the loss run because they're sorted by date and coverage. Sort them by what the person was doing, and the pattern shows up.

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Why it keeps happening

When an injury happens, the report usually says what the employee did wrong. The conditions that set it up, the schedule, the staffing, the equipment, the way the task is taught, stay the same. So the next person gets hurt the same way.

The fix is almost never a new rule or a poster. It's finding the part of the process that keeps producing the claim and changing that.

What that looked like for two clients

Home health agency

Sixteen injuries a year. Most came in a caregiver's first few weeks. After the hiring and training changes, one or two a year.

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Auto dealership

24 injuries a year. Then 16, 7 and 3, and then two years with none.

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See all 19 case studies

Where the Employer Success Program comes in

It starts with a Diagnostic and Plan. We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and a short list of what's worth fixing first.

From there our claims, HR, safety and fleet people work alongside yours, and you get a Score Card at the start and every year after, measured against your own starting point.

How the program works

Start with a conversation

Tell me which injury keeps coming back. I read these myself and reply within two business days.