- Business Insurance
- Industries & Services
- Group Benefits
- Personal Insurance
- Wealth Management
The Workers' Compensation (WC) landscape is vast, multifaceted, and interconnected.
Most businesses in Canada require WC coverage, but with rules and regulations varying by province and recent changes to the rating system, it can be complicated and daunting for Human Resources and costly to employers.
Paying WC insurance premiums ensures that employees are protected. WC insurance will cover costs for lost earnings and treatments should an employee be injured at work. But as an employer, your WC claim frequency and severity play a significant factor in determining your forthcoming premium rate. Similar to short- and long-term disability insurance, the more WC claims an employer incurs, the higher their premium will be—particularly with lost-time claims. If you’re a Schedule 2 employer, reducing lost time is a direct savings to your bottom line.
Our program will:
WC claims management and a structured health and safety program can help reduce your incidence of workers' compensation claims and reduce the lost income and healthcare expenses associated with lost time claims.
In addition to our team of occupational therapists, kinesiologists, registered nurses and mental health specialists, our consulting paralegals have over 25 years of experience working with and for WC boards, offering financial analysis, classification reviews, and representation at appeals and tribunals.
Cowan offers a flexible approach to Occupational Claims Management Services. Choose from any of our custom service options: