Commercial Risk Management, Inc.

Solving Your Workers' Compensation Puzzle

Providing Top-Quality Workers' Compensation Claims Administration Service to Law Enforcement, Hospitals, Municipalities, and many other industries throughout Florida since1975.

Our Commitment

Prompt delivery of injured workers’ benefits, solidify our client partnership, and provide the highest quality, cost effective Workers’ Compensation program.

Commercial Risk Management, Inc.

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.

Southeastern Underwriters, Inc.

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.

About Commercial Risk Management, Inc.

  • Established in 1975
  • Not affiliated with an insurance company nor a financial institution
  • Independently owned and operated
  • Low turnover of employees; over 50% of staff have been with company for over 10 years
  • Low turnover of self-insured clients; over 50% of clients have been with us for over 10 years; 10 clients have been with us for over 20 years
  • Management staff has an average of over 25 years of service with company
  • We hire only senior adjusters with many years of experience to handle your claims
  • Experienced, dedicated, long-term licensed staff provide unparalled service with an adjuster case load that is far below industry averages
  • Every adjuster adheres to best practice protocols
  • Each client program is customized to provide the highest quality service to meet and exceed each client’s needs
  • Service Fee is all inclusive with no hidden additional administrative costs to the client’s program
  • Turnkey servicing for Florida Self-Insured clients providing claims management, loss control and excess insurance placement
  • We have dedicated quality control staff to assure each client the highest quality of service
  • Regular client claim and quality assurance meetings
  • Educational seminars and continuing education for each adjuster and clients are a routine part of our service
  • Serving Agents and Brokers Exclusively

Our Services

Claims Management

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 Management Expertise

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.

Reporting

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.

Technology

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 and Prevention

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.

Nurse Case Management

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.

Client Testimonials

"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

Risk Manager

"...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

Tampa General Hospital

"Since partnering with Commercial Risk Management, they have impressed me with their focus on customer service and professionalism in claims administration with an approach that has been tailored to the needs of our organization—an approach that not only inspired confidence but has also generated excellent results. The staff at CRM are always prompt, professional, and proactive."

- Trina Girimont

Director, Occupational Health Services

Shands Healthcare

"...Your willingness to assist us, no matter what the request, has not gone unnoticed. The adjusters consistently demonstrate their ability to work aggressively in our best interest. Loss runs and reports are easy to read..."

- Haven Sherburne

Workers' Compensation Manager

BayCare Health Care System, Inc.

"...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

Polk County

"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

Vie President, Corporate Administration

W.S. Badcock Corporation

"...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

Vice President

Acousti Engineering Company of Florida

Contact Us

Commercial Risk Management, Inc. and Southeastern Underwriters, Inc.

P. O. Box 18366

Tampa , Florida 33679

Telephone: 813-289-3900

Email: Info@crm-su.com

Management Team

Join Us

We are always looking to fill any available positions that happen to come up. Send us your information and we will take a look.

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