Get the information and important tips on workers insurance compensation quote

1. Is Injury Management Included in Your Workers Compensation
Insurance Quote?
When an employee gets injured and you need to make a workers compensation claim, it can
be a major disruption to your business – and cause your insurance premiums to rise.
Careful and professional injury management can help the injured person get the best care and
return to work as quickly as possible, while minimising impact on the business.
Injury management specialists can examine new claims, provide advice on sensitive or
complex matters, co-ordinate the claims process, help assess medical reports, identify claims
requiring a second opinion, attend file reviews and settlement conferences and help minimise
costs.
In Western Australia – where the corporate insurance market provides workers compensation
cover – some quality brokers such as EBM offer an injury management service free of charge
to clients.
When you get a workers compensation insurance quote, it’s worth checking whether you are
also getting access to professional injury management services. Here are some real-life case
studies that illustrate how quality injury management can make a difference :
Case study 1 – a faster return to work
Mr A, who lives in the country, hurt his right arm in mid-December and required surgery to
be able to get back to work. He was given a list of specialists to contact but the first available
appointment was not until February. EBM’s injury management specialists managed to get an
appointment in Perth, within two days, arrange insurer approval, flights and accommodation
– and tentatively schedule a surgery date the day after the initial consultation.
The result? Mr A only had to travel to Perth once, and was able to return to work more than
six weeks earlier than would otherwise have been possible.
Case study 2 – reducing costs
Mr B severely injured his knee, requiring surgery and lengthy rehabilitation. The insurer
incorrectly calculated his compensation rate at over $2000 a week for an indefinite period.
EBM’s injury management team reviewed the claim and realised the insurer had made an
error – Mr B was actually only entitled to just over $1000 a week for the first 13 weeks, and
about $880 a week thereafter.
The result? The cost of the claim was more than halved.
Case study 3 – reducing claims reserve
A claims reserve is an amount of money set aside for the eventual payment of a claim. EBM
reviewed eight claims that one of its clients had underway at the same time.
Following our review, the insurer agreed to reduce the reserves by more than $150,000 –
substantially reducing the client’s workers compensation premiums.

2. If you’d like a workers compensation quote, contact the team at EBM Insurance Brokers.
The above advice is general advice and has not taken into account your personal
circumstances, be sure to read the appropriate Product Disclosure Statement to ensure the
policy meets your individual circumstances.