Claims Administration

D & H uses loss analysis techniques designed with risk managers as a data depository and a tool to help diagnose and prevent future losses. D & H adjusters are experienced in self-insurance claims handling and the unique needs of the clients.

Our experienced claims professionals will:

	Enter all events in our state-of-the-art Claims Management System RiskMaster ©
	Establish and maintain contact with the insured and claimant throughout the claim
	Identify questionable and fraudulent claims
	Investigate and determine compensability
	Establish a litigation plan
	Provide standard and customized claims reports
	Provide timely and accurate claim reserving
	Pursue subrogation and third party recoveries

Safety & Loss Prevention

D & H programs provide on-site inspections and custom reports. We also work with our clients showing them how to conduct self-inspections and establish their own safety committee. We offer group presentations with experts in specific fields, which increases awareness of problem areas.

Loss Prevention is a key to reducing both claim frequency and severity. The claim we prevent is the least expensive of all. Our loss control professional deals with both the physical site hazards and the human moral hazards. With the support of employees and management these programs will help our clients achieve a safer work environment.

Litigation

D & H has assembled an expert staff of defense council to service our claims litigation. Our attorneys are well recognized in all the Worker’s Compensation jurisdictions. In addition, counsel is available for seminars on various claims topics.

Insurance Consulting

We will assist our clients in choosing and setting up the appropriate alternative insurance program. This service includes guiding the customer through the process of submitting any required state filings or reports.

If traditional insurance is the best option for the client we will analyze their current coverage, verify premiums and provide cost saving tips.

Medical Cost Containment

While we support the role of a medical professional in helping the injured worker, a broad program directed at cost containment will provide better long-term results and satisfaction.

Reinsurance Strategies

The foundation of a good self-insurance plan is an evaluation of the financial needs and capability of the client. Success will depend on the retention of risk by the client. Once we agree upon a prudent plan with our client to cover their losses and reserve financially for them, the foundation is in place. Then we recommend structuring reinsurance to protect them against the significant individual accident as well as the accumulation of claims in a fiscal year.