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

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

Learn the 7 Secrets that your insurance agent won't tell you about your Workers' Compensation program!

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;



OVER $50,000,000 SINCE 2004?



In just the fourth month of my career as an Outsourced Risk Manager, I pulled into the parking lot of a large manufacturer for the first time. I did not realize that when I made that turn into the parking lot, it would change my life and my focus forever. What should have been a very loud manufacturing plant, was silent except the noises of the EMS, police, and fire department radios.

A worker had been killed.

Since that day, I have continued to see the impact that the loss of that employee had, not only on the owner of the company, who was a long time, personal friend of the employee, but also the bigger impact it has had on that employee’s family.  The loss of the employee’s life left an unfillable hole, bigger than you can possibly imagine, in the lives of his family – his wife and 2 boys, both under the age of 3 at that time.

I saw how little workers’ compensation insurance really does for the family and I saw the lifelong changes that ensued.

All of this, from an event that could have been prevented by the actions of two people, if only either one of them would have taken 15 to 60 seconds, this employee may still be alive today. If one of them had taken pause, realized what they were about to do could have devastating results, and changed what they did…

From that day on, my goal has become to have employees go home the same, safe way that they arrived.

To truly accomplish this, it requires going beyond safety. Beyond insurance. It required a deeper understanding of my client’s operations, their employees, and the very culture that drives their organizations – impacting all of these is necessary to achieve what sounds like a simple goal

To achieve this goal, it required over 10 years to develop new ways to identify and managing the risks and issues facing our clients. It involved creating and implementing culture changing programs and processes, including behavior-based safety to eliminate injuries.  It entailed changing how our clients hired and oriented new employees to wipe out the higher injury rates of new employees. It necessitated breaking down the silos, or barriers, that often exist between operations, human resources, and safety to dive success. And we continue to refine our approach and programs as times change.

By the way, in accomplishing these changes, our clients have come back to inform us that in just 2 years of working with them that we have:

  • Driven down their injury frequency by more than 60% (many now go years without an incident).
  • Reduced their number of employees that required time off from an injury by almost 80%.
  • Slashed injury costs by over 90%.
  • Cut insurance premiums by over 40% (and more than half over time).
  • Decreased their new employee turnover rate that saves them both time and thousands of dollars, and
  • Increased their productivity and profitability of their operations.

In addition, the deeper understanding we have of their operations has led us to helping them BETTER DESIGN THEIR INSURANCE PROGRAM BLUEPRINT so that their program can better respond to the potential catastrophes that they face.

(See Disaster Survivors)

Since 2004, this approach has helped hundreds of companies take control of their Risks, their Insurance Programs, and slash their premiums by over $50,000,000. Just check out our results. By helping businesses to better manage their risks, we have demonstrated that they are able to reduce costs, improve productivity and profitability all while reducing their frustrations running their companies.


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 efficient and profitable.


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!


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.


To learn more, simply reach out to David Leng at 724-978-2139 or


How Much Does Your Workers' Compensation Cost You?


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.

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Discover 52 ways

to dramatically reduce your premiums,

eliminate overcharges and frustrations,

and free yourself to focus on growing and running

your company!

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


Learn More About Improving Your Risk Profile, Hiring,

Enhancing Your Corporate Culture, and

Selecting the Right Coverage.

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Get in Touch



David Leng, CWCA,


724-863-3420 x 3329


John M. Duncan, Jr


724-863-3420 x 3311


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.