is a Workers’ Compensation service company formed in 1975 to serve employers who have elected to self-insure their workers’ compensation liabilities in Florida. We offer full services in the areas of Claims Administration, Program Administration, Loss Control and Client Services. Our ability to customize a program for self-insurers is second to none and our professional staff takes pride in delivering all required services for a complete, professional and cost effective program. We are a service driven organization that provides solutions to your workers’ compensation program needs and delivers those services as your partner.
is an affiliated organization to Commercial Risk Management, Inc. which was formed in 1975 to assist the self-insured and the insurance agent with access to AM Best’s A rated carriers who specialize in Excess Workers’ Compensation and Employers Liability insurance coverage. We are licensed by the Florida Department of Financial Services and represent AM Best’s A Rated carriers.
Effective claims management is provided using Best Practice protocols in the areas of utilization and cost containment, litigation management and timely processing of the claim. We will assist each client in establishing preferred providers and we will assist the client in customizing the RTW program. The adjuster works with the client as a team member and promptly communicates with the injured employee and medical provider to assure appropriate medical care is provided and the employee is returned to work at the earliest possible time. A supervisor reviews every new claim the same day as it is received and assigns it to an adjuster for initial review and three point contact. An action plan is developed and documented in the claim file and is the basis for the prompt resolution of the claim.
Presumption claims require a specialized knowledge base and specific protocols that are unique to municipalities. Commercial Risk Management, Inc. has a special training program for our adjusters so that these serious and costly claims are managed with the utmost sense of urgency and expertise. We work hand-in-hand with our municipal clients to establish protocols for investigation and management of heart and exposure claims that are suitable for the individual organization’s environment. Additionally, reports and graphs are provided so that the entity can track, trend and maintain close monitoring of these distinctive claims.
Reports are prepared and transmitted to the client at the end of the reporting period. The reports are accurate and timely and all data elements are checked for accuracy prior to release to the client. We will design customized reports for the needs of the client. The reports are available in both hard copy and in Microsoft Excel exports via email. Custom Electronic Data Interchange is available to interface with client software.
Our Information Technology Department uses an in-house development team to support a completely custom claims administration software program. The Microsoft servers and network provide secure remote accessibility to live claims data. When the adjuster enters a note, adjusts a reserve or a document is scanned, it is immediately available to the remote access server. The claims system provides integrated scanned medical documents for review by the adjuster and the client. As stated previously, we provide Electronic Data Interchange with clients, vendors and the State of Florida. Secure check and banking procedures are provided along with Positive Pay services to aid in the prevention of fraud. Internal controls are built into the claims system to assure the client’s money is protected while the injured employee receives timely compensation payments.
Loss control visits by a loss control professional are available to all clients. Quarterly loss reports and analysis are compiled to allow the client to see where the losses are occurring and where to concentrate valuable resources for loss prevention.
Our nurse case manager works side-by-side with the adjusters to manage workers' compensation claims. A registered nurse with experience in the medical management of conditions, physicians and behavior unique to workers' compensation serves to enhance the effectiveness of the employer's self-insured program.
"Our organization has been associated with Commercial Risk Management since 2004, and we have established a great partnership with them. And it’s more than just handling workers’ compensation claims. They are really concerned about our success as an organization, stepping up even when our needs are other than claims handling, such as offering input into loss costs trends, safety and loss costs savings strategies, litigation management, audit support, continuing education, etc. Their customer service is second to none, usually resolving our issues on the same day, or proactively following up to keeping us informed on outstanding items. You couldn’t ask for a better bunch of industry professionals than those at Commercial Risk Management.”
- Mark C.Resler, CPCU, AIC
"...Commercial Risk not only provides the services promised, but the staff go above and beyond to provide the best service in the industry. The adjusters are conscientious, experienced, and caring. I highly recommend them as I believe them to be the best third party administrator for workers’ compensation programs….”
- Marisa Martinez
Manager, Employee Health & Workers’ Compensation
"CRM has been instrumental in partnering with our organization to acquire excellent results. My experience as a NP/Case manager and now as the Director of Occupational Health have been outstanding. CRM tailors services to the needs of your organization. I would highly recommend CRM as a third-party administrator."
- Karyn Wagner
Director of Occupational Health
"...Commercial Risk Management has continually proven to be a valuable member of our risk management team. They are genuinely concerned with the struggles we face, and go above and beyond to resolve issues in a timely manner with the utmost professionalism. I would highly recommend them as a third-party administrator for workers compensation..."
- Mitch St. Jean, CWCL
Workers Compensation & General Claims Manager
"We have been with Commercial Risk Management for over 20 years. During this time, CRM has helped us manage our claims, keep up with the ever-changing regulations, and have partnered with us to reduce our costs. CRM's professionalism and communication has furthered our mission as a company. I would recommend CRM to any company as a third-party administrator..."
- Charlie Bowden
Vice President, Corporate Administration
"...Without hesitation, I would recommend Commercial Risk Management, Inc. to any company that wishes to control and reduce its workers' compensation exposure...Communication is very important to us. Commercial Risk Management is extremely responsive in all forms of communication..."
- Robert A. Crozier
"I’ve had the pleasure of working with CRM since 2009, as they administered claims for the Diocese of St. Petersburg, and for the City of Clearwater. Their experienced and knowledgeable management team, and claims staff have always been able to control and manage our workers compensation claims experience so as to benefit our employees and our financial goals for this program. Their creative claims handling and solutions to these cases makes CRM stand heads and shoulders above others in their field. They are also caring, personable and professional in the manner they approach your business operations and goals. It’s a partnership that works for us in many ways."
- Rick Osorio
We are always looking to fill any available positions that happen to come up. Send us your information and we will take a look.