David R Leng; speaker, David Leng; keynote speaker; presentations; Author; best selling author; bestselling author; best-selling author; best selling book; bestselling book; best-selling book; workshop; workshops; continuing education programs; continuing education programs; AICPA CE; CE; CPE; AICPA CPE; HR CPE; HR CE; best practices; Total Cost of Risk; Reducing Total Cost of Risk; Managing Total Cost of Risk

Premium reduction center; PRC; stop being frustrated; stop being frustrated & overcharged; laws of insurance; laws of insurance attraction; insured to fail; 10 laws of insurance; 10 laws of insurance attraction;

Insurance; captives; captive; high deductible; retro insurance; retrospectively rated; self insurance; self-insurance; alternative insurance; alternative risk transfer; 831B Captive; 831B Captives; group captive; group captives; health insurance captives; group health insurance captives; group health captives; risk purchasing group; risk purchasing groups; risk retention group; risk retention groups

Risk management; risk profile; risk improvement; risk profile improvement; reducing risk; avoiding risk; risk transfer; risk transfer agreements; contractual risk transfer; construction risk transfer; risk identification; risk audit; risk audits; risk analysis; risk control; loss control; risk mitigation; risk financing; risk finance; risk programs; risk program;

Work Comp; Workers Comp; Workers Compensation; CWCA; CPCU; CIC; CBWA; CRM; Certified Risk Manager; Certified Insurance Counselor; Certified benefits & Wellness Advisor; Chartered Property Casualty Underwriter; Certified WorkComp Advisor

Human resources; HR; human capital; HR management; human resources management; human capital management; workplace culture; employee culture; hiring; hire correctly; hiring best practices; orientation; new employee; new employees; new employee orientation;

Employee injuries; work comp claims; workers comp claims; return to work; transitional duty; managed care; MCO; manage care organizations;

auto insurance; truck insurance; fleet insurance

general liability insurance; errors & omissions; e&o insurance;

property Insurance; inland marine; contractor equipment insurance;

directors & officers; employment practices liability; fiduciary liability; executive risk; executive risk insurance;

international insurance; ocean marine cargo; foreign voluntary work comp; foreign voluntary workers comp; international auto; international liability; kidnap & ransom insurance;

disaster planning; disaster plan; disaster preparedness;

premium audit; premium audits; payroll audit; payroll audits; errors in audits;

experience modifier; experience mod; emod; ERM; EMR;

managing work comp; managing injuries; claims management; manage claims; injury management; claim management; claims management;

safety; safety culture; workplace safety; jobsite safety; fleet safety; driver safety; employee safety; OSHA Occupational Health & Safety; safety compliance; injury prevention; preventing injury; preventing injuries;

manufacturing; retail; wholesale; healthcare; trucking; construction; home health care;

Irwin PA; Greensburg PA; Monroeville PA; Pittsburgh PA; Indiana PA; Somerset PA; Fayette PA; Washington PA; Pennsylvania; PA; Western PA; Western Pennsylvania; White Oak PA; McKeesport PA; Trafford PA; New Stanton PA; Connellsville PA; Penn Township PA; North Huntingdon PA; WV; MD; Oakland MD; Garrett County MD;

 

Working with Duncan we were able to enhance the safety culture in our organization

and reduced our Workers’ Compensation costs by over $100,000 a year.

    — Gary Bowser, II., President - Bowser Automotive Group

 

The insurance company doles out your money and you don’t have any say in it. And then, they  increase your premiums...

 

Isn’t it time to take control of your Insurance and Workers’ Compensation Programs, and stop being frustrated and overcharged, and most likely not covered properly?

 

As Insurance and Workers’ Compensation can be so complicated and confusing, you are left to assume that your coverage is sufficient and correct, that your premium audit reports are accurate, and that your Experience Modification Factor is correct. However, because of mistakes rampant in the insurance system, at least 50% of businesses are overcharged for their Workers’ Comp insurance, and 50% will not survive a disaster. Plus, once one of your employees suffers an injury that is not managed correctly, the financial and emotional impact could be destructive.

 

We have helped companies take control of their Insurance and Workers' Compensation Programs, and slash premiums by over $42,000,000 since 2004. Just check out our results. We are ready to understand your organization and the issues that you face. We will work for you to design, build and implement solutions to take control of your insurance and workers' compensation programs and reduce your premiums all while making sure your program is there for you to survive a catastrophe!

 

Key #1: Manage Your Risks, or Your Risks Will Manage You

When it comes Insurance, the first step to stop being frustrated and overcharged, and taking control of your bottom line

is to realize that insurance premiums are based on an underwriter's perception of the risk in your business, also know as your Risk Profile.  When you control your risks through a Proven Risk Management Approach, you become more attractive to insurance companies, which leads to you dramatically lowering your insurance costs!  The ultimate benefit of you becoming more attractive, is that by doing so, you will actually help your company become more productive and profitable.

Welcome!

dilogr-placeholder-video

How Do Insurance Companies Determine Your Premiums Today?

dilogr-placeholder-video

Key #2: Your Workers' Compensation Program is HIGHLY Manageable

The second step is realizing that Workers' Compensation is not insurance.  Workers' Compensation is actually a finance tool, designed so you pay for your employee's injuries, back to the insurance company, PLUS interest!  Workers’ Comp is simply the mechanism by which you finance your employee injuries. Thanks to your Experience Modifier, for every dollar the insurance company spends, you are likely to pay back $1.50 to $3.00 It’s our job to stop you borrowing money at such high interest rates. We help people who suffer from the symptoms of being frustrated and overcharged by their workers' compensation by curing their WorkCompItis!

Learn how making your company more attractive to insurance companies will

not only lower your insurance premiums, it will also help your company become more productive and profitable.

Find the answers inside

How Much Does Your Workers' Compensation Cost You?

dilogr-placeholder-video

David R Leng; speaker, David Leng; keynote speaker; presentations; Author; best selling author; bestselling author; best-selling author; best selling book; bestselling book; best-selling book; workshop; workshops; continuing education programs; continuing education programs; AICPA CE; CE; CPE; AICPA CPE; HR CPE; HR CE; best practices; Total Cost of Risk; Reducing Total Cost of Risk; Managing Total Cost of Risk

Premium reduction center; PRC; stop being frustrated; stop being frustrated & overcharged; laws of insurance; laws of insurance attraction; insured to fail; 10 laws of insurance; 10 laws of insurance attraction;

Insurance; captives; captive; high deductible; retro insurance; retrospectively rated; self insurance; self-insurance; alternative insurance; alternative risk transfer; 831B Captive; 831B Captives; group captive; group captives; risk purchasing group; risk purchasing groups; risk retention group; risk retention groups

Risk management; risk profile; risk improvement; risk profile improvement; reducing risk; avoiding risk; risk transfer; risk transfer agreements; contractual risk transfer; construction risk transfer; risk identification; risk audit; risk audits; risk analysis; risk control; loss control; risk mitigation; risk financing; risk finance; risk programs; risk program;

Work Comp; Workers Comp; Workers Compensation; CWCA; CPCU; CIC; CBWA; CRM; Certified Risk Manager; Certified Insurance Counselor; Certified benefits & Wellness Advisor; Chartered Property Casualty Underwriter; Certified WorkComp Advisor

Human resources; HR; human capital; HR management; human resources management; human capital management; workplace culture; employee culture; hiring; hire correctly; hiring best practices; orientation; new employee; new employees; new employee orientation;

Employee injuries; work comp claims; workers comp claims; return to work; transitional duty; managed care; MCO; manage care organizations;

auto insurance; truck insurance; fleet insurance

general liability insurance; errors & omissions; e&o insurance;

property Insurance; inland marine; contractor equipment insurance;

directors & officers; employment practices liability; fiduciary liability; executive risk; executive risk insurance;

international insurance; ocean marine cargo; foreign voluntary work comp; foreign voluntary workers comp; international auto; international liability; kidnap & ransom insurance;

disaster planning; disaster plan; disaster preparedness;

premium audit; premium audits; payroll audit; payroll audits; errors in audits;

experience modifier; experience mod; emod; ERM; EMR;

managing work comp; managing injuries; claims management; manage claims; injury management; claim management; claims management;

safety; safety culture; workplace safety; jobsite safety; fleet safety; driver safety; employee safety; OSHA Occupational Health & Safety; safety compliance; injury prevention; preventing injury; preventing injuries;

manufacturing; retail; wholesale; healthcare; trucking; construction; home health care;

Irwin PA; Greensburg PA; Monroeville PA; Pittsburgh PA; Indiana PA; Somerset PA; Fayette PA; Washington PA; Pennsylvania; PA; Western PA; Western Pennsylvania; White Oak PA; McKeesport PA; Trafford PA; New Stanton PA; Connellsville PA; Penn Township PA; North Huntingdon PA; WV; MD; Oakland MD; Garrett County MD;

 

David R Leng; speaker, David Leng; keynote speaker; presentations; Author; best selling author; bestselling author; best-selling author; best selling book; bestselling book; best-selling book; workshop; workshops; continuing education programs; continuing education programs; AICPA CE; CE; CPE; AICPA CPE; HR CPE; HR CE; best practices; Total Cost of Risk; Reducing Total Cost of Risk; Managing Total Cost of Risk

Premium reduction center; PRC; stop being frustrated; stop being frustrated & overcharged; laws of insurance; laws of insurance attraction; insured to fail; 10 laws of insurance; 10 laws of insurance attraction;

Insurance; captives; captive; high deductible; retro insurance; retrospectively rated; self insurance; self-insurance; alternative insurance; alternative risk transfer; 831B Captive; 831B Captives; group captive; group captives; risk purchasing group; risk purchasing groups; risk retention group; risk retention groups

Risk management; risk profile; risk improvement; risk profile improvement; reducing risk; avoiding risk; risk transfer; risk transfer agreements; contractual risk transfer; construction risk transfer; risk identification; risk audit; risk audits; risk analysis; risk control; loss control; risk mitigation; risk financing; risk finance; risk programs; risk program;

Work Comp; Workers Comp; Workers Compensation; CWCA; CPCU; CIC; CBWA; CRM; Certified Risk Manager; Certified Insurance Counselor; Certified benefits & Wellness Advisor; Chartered Property Casualty Underwriter; Certified WorkComp Advisor

Human resources; HR; human capital; HR management; human resources management; human capital management; workplace culture; employee culture; hiring; hire correctly; hiring best practices; orientation; new employee; new employees; new employee orientation;

Employee injuries; work comp claims; workers comp claims; return to work; transitional duty; managed care; MCO; manage care organizations;

auto insurance; truck insurance; fleet insurance

general liability insurance; errors & omissions; e&o insurance;

property Insurance; inland marine; contractor equipment insurance;

directors & officers; employment practices liability; fiduciary liability; executive risk; executive risk insurance;

international insurance; ocean marine cargo; foreign voluntary work comp; foreign voluntary workers comp; international auto; international liability; kidnap & ransom insurance;

disaster planning; disaster plan; disaster preparedness;

premium audit; premium audits; payroll audit; payroll audits; errors in audits;

experience modifier; experience mod; emod; ERM; EMR;

managing work comp; managing injuries; claims management; manage claims; injury management; claim management; claims management;

safety; safety culture; workplace safety; jobsite safety; fleet safety; driver safety; employee safety; OSHA Occupational Health & Safety; safety compliance; injury prevention; preventing injury; preventing injuries;

manufacturing; retail; wholesale; healthcare; trucking; construction; home health care;

Irwin PA; Greensburg PA; Monroeville PA; Pittsburgh PA; Indiana PA; Somerset PA; Fayette PA; Washington PA; Pennsylvania; PA; Western PA; Western Pennsylvania; White Oak PA; McKeesport PA; Trafford PA; New Stanton PA; Connellsville PA; Penn Township PA; North Huntingdon PA; WV; MD; Oakland MD; Garrett County MD;

 

Get in Touch

 

 

David Leng, CWCA,

CPCU, CIC, CBWA, CRM

724-863-3420 x 3329

dleng@duncangrp.com

 

John M. Duncan, Jr

CIC, CWCA

724-863-3420 x 3311

jduncan@duncangrp.com

 

THE 10 LAWS OF INSURANCE ATTRACTION

STOP BEING FRUSTRATED & OVERCHARGED

BY YOUR WORKERS' COMPENSATION!

Inside these pages you will find out how to stop gambling as the way to reduce your insurance premiums, and learn how to put yourself in a winning position where you ultimately control the game.

Laws of Insurance Attraction

Hit #1 Best Seller on Amazon

in November 2016

Discover 52 ways

to dramatically reduce your premiums,

eliminate overcharges and frustrations, and free yourself to focus on growing and running

your company!

TURNING PREMIUMS INTO PROFITS

How you can simultaneously build equity and reduce your total cost of risk by utilizing your business insurance program

 

Turning Premiums Into Profits

Hit #1 Best Seller on Amazon in September 2017

Learn More About Improving Your Risk Profile, Hiring,

Enhancing Your Corporate Culture, and

Selecting the Right Coverage.

Visit Our LinkedIn Blog

Key #3: Don't Bet Your Business on a Flip of a Coin

The third step is to realize that most businesses that are affected by a catastrophic event either never reopen, or close within 3-5 years. We have seen "experts" state that 70% or 80% will fail from such an event. The clearest statistic comes from the Institute or Business & Home Safety who states that just over 25% will not reopen, and another 25% will go out of business within 3 years - DESPITE BEING INSURED. A flip of a coin! And this statistic does not even contemplate natural disasters such as Hurricane Katrina! When it comes to making sure your insurance protection is there for you when you need it the most, it's simple, DON'T ASSUME...  You need to be prepared to survive a disaster.

 

Working with business leaders has continually reinforced that insurance and workers' compensation are controllable, AND you can improve employee productivity, and financial results, when armed with the right information, tools and processes!

 

To help you take control back from the insurance companies, simply reach out to us today!

Pre-Release Sale Starts

Sept 18th, 2017

Book Release Date

Nov 7th, 2017

This site contains information about workers’ compensation insurance and coverage. The information is not intended as a substitute for insurance, legal, or financial advice from an appropriately qualified professional and should not be treated as such. If you have any specific questions about any workers’ compensation matters you should consult an appropriately qualified professional.

 

© 2017 Premium Reduction Center, powered by Duncan Financial Group     •David Leng     •724-978-2139     •dleng@duncangrp.com