Workers’ Compensation IQRM

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What is IQRM?

The IQRM (Intelligence Quotient for Risk Management) is the first step to identifying the risks that most greatly affect your business.

Why IQRM?

With this integral piece of The Insurance Market’s Armour 360® process, we will ensure you receive a comprehensive program that maximizes your insurance investment.

How IQRM works?

We will work together to analyze the effectiveness of managing risks, develop strategies to protect your assets, and improve your risk profile. Additionally reducing your insurance costs, monitoring, and fine-tuning risk management programs as your business evolves.

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1. How effective is your organization at purchasing workers’ compensation insurance in accordance with state law?(Required)
2. How effective is the designated individual who has responsibility for oversight of the workers’ compensation program at understanding the state workers’ compensation system(s), and streamlining the process inside of your business?(Required)
3. How would you rate the specific metrics utilized by the organization for evaluating workers’ compensation performance?(Required)
4. How effective is your organization at maintaining a formal written workers’ compensation procedure?(Required)
5. How effective is the organization’s safety and accident prevention program?(Required)
6. To what extent does your organization have a formal return to work and injury management program and associated employee training on the program?(Required)
7. How effective is the organization in maintaining an antifraud policy?(Required)
8. How effective is the organization in providing an environment where managers, supervisors and employees communication freely on safety issues?(Required)
9. How effective is your employee orientation training at focusing on equipment use procedures, accident reporting requirements, and workplace safety?(Required)
10. To what extent are employees provided training at least annually on workplace safety procedures?(Required)
11. How willing and effective is management at providing necessary resources to achieve a safe performance from employees?(Required)
12. How effective are the organization's formal policies at addressing how the Family Medical Leave Act (FMLA) will be administered for a workers’ compensation injury?(Required)
13. How effective is the organization at requiring pre-placement physicals and has American Disability Act (ADA) compliant job descriptions?(Required)
14. How would you rate the organization’s drug-free workplace policy?(Required)
15. How would you rate the organization's formal health and wellness program?(Required)
16. How effective is your organization at having a joint labor and management workplace safety committee?(Required)
17. How effective is senior management at meeting regularly with its insurance and risk management advisor to discuss strategies for controlling workers’ compensation costs?(Required)
18. Do you know the minimum experience mod for your business and have a plan that effectively gets your organization there if you have not reached it?(Required)
19. To what extent do you have a relationship with a workers’ compensation medical provider who understands your business and who can help get injured employees back to work within a reasonable amount of time, in a safe manner?(Required)
20. How effective is your agent or broker in educating you on which classifications apply to your business?(Required)
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