The Lutgert Insurance Blog

***This article is part of a series.  If you haven’t read from the beginning please start here: WC 2.0- The Work Comp Claims Managment Program.***

The Work Comp world has changed. For decades WC was sold on the basis of who had the best dividends. When rates were more than double what they are now, not reporting claims and maximizing dividends just made sense.

Not anymore. Now the most critical objective is to KEEP YOUR EXPERIENCE MOD AS LOW AS POSSIBLE. New mantra: Take care of your Mod and the dividends with take care of themselves.

This blog is dedicated to those concepts, tools and strategies that will directly contribute to minimizing your Mod. This is Work Comp 2.0. I will not bother you with the basics of WC as that information is available anywhere. Everything I put in this blog will be something you should know regarding how to manage your WC costs and will have a direct and measurable impact. No bologna.

It is not about safety, although we believe very strongly in the value of safety training and the multitude of efforts that can be made to reduce accidents. Scott Bills, our Director of Loss Control Services, has built the best loss prevention department of any agency I’ve ever seen. Avoiding a claim in the first place is always the best option. But this blog is about doing all those things that can drastically reduce your costs after an accident and they have to be put in place before the injury occurs.

The outline is simple:

  • Education- Owners, HR professionals, CPA’s and Supervisors need to know the information contained in this blog
  • Policy/Procedure Changes- Basic amendments to your employee manual that allow you to implement the tools that can save you money
  • Hands-On management and consultation on every WC claim

I promise you will learn more about WC and more about what truly affects your WC premiums than you ever have before. I have met with hundreds of employers and the reaction is always the same: stunned amazement that they have never been told these things…ever.

Sales Moment: I won’t do this very often, but when you learn about these simple but important WC tenets, you will ask yourself, “Why hasn’t my current agent ever told me about this?” The answer is they don’t know it. Sure they know indemnity claims are bad for your Mod and they will tell you “We can do all this for you”. But the truth is, if they could, they would already be doing it. This requires a full time COMMITMENT on the part of the agent and agency. Few agents are willing to make that commitment.

Ok, enough of the sales talk. You should also know that I believe in this. I believe it is our duty as agents to inform our clients about this, if for no other reason than NO ONE ELSE WILL DO IT. I think every employer deserves to know exactly HOW this system is rigged.

If you take the time to read this blog regularly or, better yet, allow me to speak to you directly, you will see that implementing this WC program will reduce your Mod to its’ lowest level possible, given the injuries that occur. NOT implementing it will result in the highest Mod, given the injuries that occur. I don’t know about you, but I’ll take the former outcome, please.

Finally, and this is the best part, I and my agency don’t charge a dime extra for providing this service. You will see when you read this or if we speak in person that I truly believe every employer in the state of Florida should know this and Lutgert Insurance agrees.

BTW, be sure to read the next two posts, as they give information you must have.

WC 2.2- Types of Claims- Medical Only vs. Indemnity- Must Read!!
WC 2.3- How Indemnity Impacts Your Premiums-The Math- Must Read!!

TL;DR (Too Long: Didn’t Read) Takeaways- There are simple, proven tools that will allow you to minimize your Experience Mod and consequently your WC premiums. Every employer should know this, but only the largest with full-time risk managers do. This blog will give you concrete information on how to accomplish that goal.

Please join our email list by filling out & submitting the form in the blue box on the right of this page and you will receive each blog post as it appears on our website. Feel free to call me at any time- Joe Carraher- W:239-280-3209 or on my Cell: 239-293-7772.

Next Article »

The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) has issued a final rule to improve tracking of workplace injuries and illnesses. The new rule requires certain employers to electronically submit to OSHA injury and illness data that they are already required to keep under existing regulations. The final rule also includes provisions regarding employee rights to report work-related injuries and illnesses free from retaliation.

Continue reading »



Alcohol affects every organ in the body. Take a minute to rethink your drink.

  • Know your limits. Drinking in moderation is defined as having no more than 1 alcoholic drink per day for women and no more than 2 alcoholic drinks per day for men.
  • Choose nonalcoholic beverages if you:
    • Are recovering from alcoholism or are unable to control the amount you drink
    • May become pregnant or are pregnant
    • Plan to drive, operate machinery, or take part in other activities that require attention, skill, alertness, and coordination
    • Are taking prescription or over-the-counter medications that can interact with alcohol
    • Have certain medical conditions
    • Are younger than 21

Every day in the United States, 120 people die as a result of drug overdose, and another 6,748 are treated in emergency departments for the misuse or abuse of drugs. Nearly 9 out of 10 poisoning deaths are caused by drugs. Take a few minutes to:


  • Discuss all medications you are taking (including over-the-counter) with your health provider.
  • Use prescription drugs only as directed by a health care provider, and store them in a secure place.
  • Dispose of medications properly, as soon as the course of treatment is done. Do not keep prescription medications around “just in case.”
  • Help prevent misuse and abuse by not selling or sharing prescription drugs. Never use another person’s prescription drugs.
  • Discuss pregnancy plans with your health provider before taking prescription painkillers.
  • Follow directions on the label when you give or take medicines.
  • Get help for substance abuse problems (1-800- 662-HELP); call Poison Help (1-800-222-1222) for questions about medicines.

Sourced from Centers for Disease Control & Prevention

image001Five Minutes or Less for Health Weekly Tip: Prevent Colon Cancer

Colorectal cancer (cancer of the colon or rectum) affects both men and women, and is the second leading cause of cancer deaths in the United States. Colorectal cancer can be prevented by getting screened for the disease beginning at age 50. Screening tests help prevent colorectal cancer by finding and removing precancerous polyps (abnormal growths). Screening also finds this cancer early, when treatment can be most effective.

Take these steps to help lower your risk for colon cancer.

  • Talk to your doctor or nurse about colon cancer screening, especially if you are age 50 or older, you or a close relative has had colon cancer or polyps, or if you have inflammatory bowel disease.
  • Call 1-800-4-CANCER or 1-800-ACS-2345 to learn more about screening options in your community.
  • Be physically active and maintain a healthy weight.
  • Choose more fruits and vegetables for meals and snacks.
  • Limit alcohol.
  • Quit Smoking. Call 1-800-QUIT-NOW to help you quit.

Sourced from Centers for Disease Control & Prevention

Heart HealthUse these tips to take action in lowering your risk for heart disease and heart attack.

  • Ask your doctor or nurse how to maintain a healthy weight and how to prevent and control high blood cholesterol, high blood pressure, and diabetes.
  • If you smoke, call 1-800-QUIT-NOW to help you quit.
  • Limit alcohol.
  • Make healthy food choices for meals and snacks. Grab a healthy snack on the go.
  • Be active. Take the stairs instead of the elevator. Park farther away and walk.
  • Know the symptoms of a heart attack.

Sourced from Centers for Disease Control & Prevention

heart-attack-signsA person’s chances of surviving a heart attack increase if he/she gets emergency treatment as soon as possible. It’s important to recognize the signs and symptoms of a heart attack and act quickly. If you think that you or someone else is having a heart attack, call 9-1-1 immediately.

Take a few minutes to learn the major signs and symptoms of a heart attack:

  • Chest pain or discomfort
  • Pain or discomfort in the jaw, neck, back, arms, shoulders, or stomach
  • Feeling weak, light-headed, or faint
  • Shortness of breath. May occur with or without chest discomfort.

Other signs and symptoms that a person may have during a heart attack include:

  • Nausea (feeling sick to your stomach) or vomiting
  • Breaking out in a cold sweat
  • Sourced from Centers for Disease Control & Prevention