Dear [Name]:

Workers compensation seems to be one of the most volatile coverages in the insurance marketplace today. There are various reasons for this, including:

• Coverages can be easily accessible one year and then be difficult to find the next
• Premiums can fluctuate like the weather
• The cost of treating workers will continue to soar
• Average cost per lost-time claim has more than doubled with each decade
• The vast majority of claimants are retaining an attorney in disputes
• How can you be confident that you have the right coverage at the right price for your business? There are steps that business owners can take to reduce the cost of workers comp.

I would like to discuss with you how to:

• Obtain manual premium discounts
• Prevent accidents and reduce lost time
• Avoid attorney involvement in claim settlements
• Reduce your experience modification
• Know OSHA requirements
• Understand the Americans with Disabilities Act

I will call within the week to schedule a meeting to discuss your wants and needs in this important area.

Sincerely,