Workers Comp

Give Your Growing Business The Protection It Deserves

Workers Compensation costs can be one of an employer’s highest expenses.  A $1,000 claim requires $50,000 in new sales to generate the net profit to cover increased premium.   

Two Rivers Insurance will work to keep your premiums lower through:

  • Evaluating your Experience Mod
  • Job Site Surveys
  • Return-to-Work Evaluations and Programs
  • Safety Education & Training
  • Claim Advocacy
  • Zero Accident Safety Culture







Two Rivers Insurance Services has partnered with National Insurance Application Systems, Inc. (NIAS), a 25-year-old independent workers’ compensation claims auditing firm, whose sole function is to:

• Audit open workers’ compensation claim files and changes reserves

• Verify modifiers at renewal & pursue corrections with the Carriers

• Historically reduces premiums by 20 – 30%

AcuComp® is both retrospective and prospective, which results in a permanent drop in an experience modification averaging 27 points over time. As long as an insured remains with the program experience modifiers will stay at their lowest possible point.

We feel that the process of managing your workers’ compensation issues properly is so complex and time-consuming that we have partnered with a highly specialized firm AcuComp® that focuses entirely on reducing open claims reserves before Unit Stat time to bring down your modifiers for the next policy cycle.

We believe one of the most important things an agent can do for you is to properly exercise your statutory ‘check & balance’ rights with your insurance carrier.

AcuComp®, a proven, proactive, long term plan in place to control your worker’s compensation costs!

Copyright © 2019 Two Rivers Insurance Services, All Rights Reserved


If you are interested in Two Rivers Insurance Services Workers’ Compensation, please contact your Two Rivers Insurance account executive or request a quote.

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