It was very informative and easy to understand for someone who isn’t well educated on the complexities of workers comp. It made me realize the importance of managing claims, which nobody had ever explained. Needless to say, that’s a major issue for an employer. It was an eye opener.

— Amy Scarnati, Vice President, Double Nickel Delivery II Inc

Stop Being Frustrated & Overcharged

(By Your Workers' Compensation Program)

After two years of researching what were the core problems of 1,187 owners, executives, supervisors, foremen, HR professionals, and accountants, this book was created to help business owners solve those problems and slash their workers' compensations premiums.


Stop Being Frustrated and Overcharged is not a technical “coverage book,” it is a practical book designed to give you the insight as to what is affecting your company, what you can do to address it, and more importantly, the tools to achieve results!


It is written by a business owner, who happens to be a risk manager, and has helped hundreds of businesses improve their bottom lines by well over $28 Million since 2004.

As a successful business owner, why would you keep rolling the dice when it comes to managing your insurance program? Constantly frustrating yourself chasing quotes through the broken insurance industry bidding process? Leaving the determination of your premium up to the insurance industry with their “hard” and “soft” market cycles? Only you can answer these questions. But you can take some comfort in knowing that you are not alone.


Nearly 30 years of experience has shown that the most successful business owners do not allow their results to be left to chance. They have found that by better managing their organizations, they become more attractive to insurance companies and earn significantly lower premiums. Using these little known management secrets, they have made their companies more productive, profitable and enjoyable.


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.

The 10 Laws of Insurance Attraction

Like any other business owner, I turned to several friends to find out who they were insured with.  I was also receiving quite a few calls from agents offering to save me money.  Even my agent at that time, who worked for perhaps the largest insurance agency in the region, was trying to find as many options as he could.  With so many agents promising they could save me money and deliver results, I thought we would be seeing a substantial reduction.  I was wrong.


I was about to take the “best” quote available when a business associate put in contact with David Leng. Because of David’s commitment to resolving our situation, we were able to quickly lower our insurance costs.  First, he found and recovered $86,000 in errors that my old agent allowed to occur over two years, which no other agent saw.  He also made us more attractive to them before he went to obtain quotes on our behalf.  His approach reduced our premium by 41%, in addition to the correcting our premium errors! In two short months, David’s program put back over $200,000 in our pocket.


What you will read in this book, combined with what you should have read in David’s first book, is a road map to overcoming high insurance rates, a kind of GPS for lowering your premiums while raising both the productivity and profitability of your company.  My situation serves as proof that just getting quotes is not enough to manage your insurance program’s costs, that you can do better when you use a better way.  I can tell you this from first-hand experience; if you are an employer and don’t have David Leng’s books in your office, you are putting your company at a serious competitive disadvantage.


Mark Duda, President

Duda Cable Construction, Vandergrift, Pennsylvania

Today’s technology has both overshadowed and enhanced much of yesterday’s craftsmanship.


Now, most of us would definitely not compare a risk manager or an insurance professional to the craftsman who constructed our home or designed that jaw-dropping structure that makes us say “wow.”


However, author David Leng aptly ties together a direct correlation between the risk manager and insurance professional to a craftsman. As a business owner, you will see and understand the uniqueness with which David works with his large business clients. You will understand how he “builds a fortress” designed to fend off a multitude of employee injuries, view his varying techniques in which to help you appreciate varying Workers’ Compensation insurance plans and how insurance companies think about you, then crush and ultimately control your Workers’ Compensation insurance costs.


The Institute of WorkComp Professionals has trained many skilled and passionate insurance professionals.  With this book, David Leng shows employers how he combines that skill and passion in creating a textbook approach to creating a Workers’ Compensation program that actually benefits your company.




Preston L Diamond, Managing Director

Institute of WorkComp Professionals, Asheville, NC




By purchasing & registering your book, you will receive:

  • Monthly  Advisory E-Newsletter
  • Invitation and Admission to Future Workshops and Webinars
  • 15 Resources to help you take control of your Insurance Program and Costs!

Insured to Fail

Would you bet your entire business on a flip of a coin?


No rational business owners would do so, but statistics show otherwise...


Most businesses that are affected by a significant event either never reopen, or close within 3-5 years. I 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 25% will not reopen, and 25% will go out of business within 3 years. A flip of a coin! And this statistic does not even contemplate natural disasters such as Hurricane Katrina!


So if a fire wipes out your business, would you reopen and survive? You are now most likely thinking "YES! I have insurance that will pay to replace my building, equipment, inventory, computers, etc..."

But these statistics are showing that you are flipping that coin as these businesses were insured too!


So, the only possibilities I could come up with for this incredible statistic that 1/2 of business go out of business even though they were insured are:


  1. They did not have a decent plan on how to rebuild, reopen, and regain customers
  2. They could not come up with a decent plan on how to rebuild, reopen, and regain customers
  3. They were not "properly insured" despite buying coverage to pay their significant claim


Why is that?  You will learn directly from those survivors and those failures.  In the book, Insured to Fail, we will explore the untimely exit of an owner, significant employee or crucial customer and what you should do to avoid being a statistic yourself.


Register today for notification of the book's publication!

I found Stop Being Frustrated & Overcharged extremely helpful. It is an easy read that focuses on the key reasons why businesses are overpaying on their workers’ compensation insurance. As Mr. Leng points out, the problem is that business owners do not fully understand all the intricacies of this insurance and need to educate themselves. Do you understand your mod? The importance of and when your modifier calculation is made? If you were an underwriter, how would you judge yourself as a risk? What is your Risk Profile? How is your broker assisting with your claims? These and about a dozen more are the key questions finance professionals should be asking themselves. A must read for all those who pay workers’ comp, as well as the agents and brokers selling this insurance should probably read and learn from this book.

— David Kay, book purchaser posted on

I never thought in a million years I’d be buying a book on insurance. But then again, if you asked me a few years back, I never thought I’d be running a business.

So.. I thought it was time to step-up and stop putting learning more about this important topic.

Once on Amazon, and with only a bit of searching, David’s publication presented itself. The sub-headline is what did it for me so spending the 9.99 was a no-brainer.

I don’t play cards, but the analogy simplified things for me anyways.

Once I finish this book (nearly there) I feel I’ll be able to get better value out of my insurance dealings with which ever broker I decide on.

A must read for any business owner who admits to themselves they’re not an expert on insurance.

Looking forward to David’s next publication[...]

Great work David!

— Andre, book purchaser posted on

Get in Touch



David Leng, CWCA,


724-863-3420 x 3329


John M. Duncan, Jr


724-863-3420 x 3311