Workers’ Compensation

Confidence begins
with control.

Gain control over workers’ compensation costs,
allowing your organization to compete and
operate with greater confidence.

Take ownership of
your workers’ compensation costs.

By actively managing the factors that influence your Experience Modification Rating, Kraus-Anderson Insurance helps organizations reduce workers’ compensation costs while strengthening safety, productivity, and competitiveness.

Through disciplined claims management, data-driven oversight, and consistent intervention, we help employers take ownership of a cost that is often treated as uncontrollable.

Outcomes We Deliver

Lower Experience Modification
Ratings over time

Reduced workers’ compensation premiums and volatility

Faster claim resolution and earlier return-to-work outcomes

Improved accuracy in
experience mod calculations

Greater visibility into
claim drivers and cost trends

Stronger competitive positioning in bidding and qualification

“It’s not all about business… It’s relationship-focused. They know us and are learning us. After a claim, they asked us, ‘How is our employee doing?’ as if it were their employee. That’s a true partner.”

– Controller, Manufacturing & Fabrication

Controlling costs through a focused claims approach.

Through ongoing monitoring and verification, we help ensure employers pay only what they should while maintaining a clear view of their risk position.

Services We Provide

Experience Modification Factor Verification

Retroactive Claims Management

Immediate Claim Intervention

Online Data Management and Communications

Safety Program Facilitation, Documentation, and Guidance

Loss Prevention and OSHA Compliance Training

Frequently Asked Questions

Workers’ compensation insurance generally provides benefits to employees who experience work-related injuries or illnesses. Depending on the claim, coverage may include medical expenses, rehabilitation, and a portion of lost wages. For employers, workers’ compensation is also an important part of managing the financial and operational risks associated with workplace injuries.

An Experience Modification Rate, often called an Experience Mod or EMR, compares an employer’s workers’ compensation claims experience with similar businesses. An Experience Mod can influence workers’ compensation premiums and, in some industries, may also affect an organization’s ability to qualify for certain projects or business opportunities.

Reducing workers’ compensation claims starts with understanding where and why injuries are occurring. Employers can strengthen safety programs, provide employee training, investigate incidents and near misses, improve return-to-work practices, and use claims data to identify recurring risks. The goal is to address underlying causes before they lead to additional injuries.

Controlling workers’ compensation costs requires looking beyond the insurance premium. Workplace safety, claims management, return-to-work programs, Experience Mod management, and proactive loss prevention can all influence the long-term cost of workplace injuries. Fewer and less severe claims can also reduce operational disruptions and the indirect costs associated with employees being away from work.

Engaged through the lifecycle of each claim.

Claims require attention from the moment an injury occurs through final resolution. Kraus-Anderson Insurance provides immediate claim intervention and ongoing management to support proper treatment, timely closure, and safe return to work. Staying engaged throughout the lifecycle of each claim, we help reduce long-term exposure and create more predictable outcomes for both employers and employees.

Kraus-Anderson Insurance Logo

A new perspective on risk management
is just a conversation away.

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