Risk Management Solutions. Delivering High-Quality Outcomes for Large Accounts
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1 Risk Management Solutions Delivering High-Quality Outcomes for Large Accounts
2 Who We Are A RISK MANAGEMENT AND INSURANCE EXPERT We tailor a risk-financing program to your organization's complex risk profile. We offer primary casualty risk management insurance solutions, specializing in workers compensation, to large employers in a variety of industries. ESTABLISHED WORKERS COMPENSATION SPECIALIST PMA is a workers compensation expert with 100 years experience. The vast majority of business we write and claims we handle are workers compensation. That focus gives us the expertise matched by very few carriers. A LARGE ACCOUNT PROVIDER THAT EXECUTES WITH CONSISTENCY We value consistency and collaborative long-term partnerships, and know the importance of reliability in our underwriting strategy and staff. We operate our business to help ensure dependability. Our large account underwriting staff averages over 20 years experience 10 or more years with PMA. Our insurance claims staff averages over 8 years with PMA. Because of our collaborative approach, and distinctly long-term view, PMA s large account client retention rate averages 90% or higher, with client relationships spanning decades. HEAR FROM OUR CLIENTS Goya Foods, with 15 locations and 3,000 employees throughout the U.S., a 20+ year PMA client with workers' compensation, commercial auto and general liability solutions. The savings generated by reducing the number and severity of incidents has generated several million dollars. Those savings have helped the company expand its operations. Peter Unanue, Executive Vice President of Goya Foods
3 What We Offer Clients We are passionate about helping large organizations take a thoughtful, strategic approach with solutions that drive tangible value. We create a unique program for each client integrating Underwriting, Claims, Managed Care, and Risk Control services. We then collaborate with you to manage your loss drivers, implement effective risk control strategies, and optimize the claims process. TAILORED INSURANCE AND FINANCING OPTIONS We tailor a risk-financing program to your organization s complex risk profile. We offer primary insurance coverage for workers compensation, commercial auto, general liability, and umbrella. OUR RISK-FINANCING OPTIONS INCLUDE: Retrospective rating (adjusted on incurred or paid loss) Large deductibles Pre-funded deductibles Rent-a-captive and wholly-owned captives A variety of collateral options are available including Letters of Credit, Custodial Funds, Trust Accounts, and cash collateral held by PMA. For clients who qualify for our pre-funded deductible option, cash collateral can be used to fund loss obligations within the deductible layer. What Sets PMA Risk Management Solutions Apart Consistent, Collaborative Approach We foster long-term partnerships, with client relationships spanning decades Workers Compensation Specialty We have 100 years experience, and it s the focus of our business Underwriting/Program Design Expertise We offer unique programs for each client and tailored risk-financing solutions Results-Oriented Claims and Managed Care Services Our best-practices program drives positive claims outcomes from day one Focus on Accountability We do what we say, backed up by a carefully planned, strategic account management process Proven Results Based on an independent survey, we have an average of 95% client satisfaction
4 Flexible Large Account Service Program PMA s focus is workers compensation for large accounts. With that kind of commitment, you can be assured that our claims program is one of the industry s best. We drive optimum claims outcomes by meeting challenges head-on. We are vigilant, continually assessing loss drivers and intervening to achieve optimum outcomes. PROGRAM HIGHLIGHTS INCLUDE: Ease of Working with a Single Point-of-Contact for Claims Immediate Action on Claims We intervene at the outset to drive positive claim results Return-to-Work Focus Nurse Case Managers help injured workers safely recover and return to work Expert Pharmacy Teams Prescription drugs can easily escalate claim costs. Our Pharmacy Teams (Triage Nurses, Pharmacy Nurses, Case Managers, Claims Professionals, and leading Pharmacy Benefit Management company) ensure effective treatment regimens and cost control Sophisticated Bill Review Processes We work hard to ensure our clients only pay what they are responsible for and we utilize multiple networks to ensure maximum discounts Physical Therapy, Diagnostic, and Specialty Networks Manage costs and utilization Out-of-Network Program PMA employs a number of approaches, including vendor partnerships and direct negotiations, to mitigate costs HEAR FROM OUR CLIENTS Bradford White, a leading manufacturer of water heaters and hot water storage tanks in the U.S., a 10+ year PMA client with workers' compensation and commercial auto solutions. For the better part of the last decade, PMA has been very responsive, very innovative, very concerned, not only regarding the financial impact to Bradford White, but also the impact to our employees. Everyone has been treated fairly and correctly when submitting a claim for injuries. Herb Foster, Vice President of Administration, Bradford White
5 INNOVATIVE RISK CONTROL SERVICES WITH FRESH THINKING We help large account clients reduce risks and their overall cost of risk through proven solutions. We deliver Risk Control consulting services that empower our clients to achieve consistent and sustained results. PMA S RISK CONTROL HIGHLIGHTS INCLUDE: Highly seasoned risk control consultants with over 17 years average experience Industry specialists with deep expertise and an understanding of the unique business metrics and challenges of specific industries Single point-of-contact risk control consultant who coordinates and optimizes services to clients multiple locations Organizational Safety Institute offering clients virtual learning on emerging best practices CLAIMS, LOSS INFORMATION AND DATA ANALYTICS PMA Cinch, our sophisticated Risk Management Information System (RMIS ), offers a strategic approach to risk management with comprehensive claims and loss information, including managed care, accident and financial data, and data analytics. HIGHLIGHTS OF PMA CINCH INCLUDE: Executive Dashboard to view your program highlights quickly, with the Executive Summary Tool to organize data for your needs Easy and convenient to use, to enable your organization s new users to readily adapt to the system Ability to generate standard or customized reports, to sort and trend data, and create graphs We help large account clients reduce accidents and their overall cost of risk through proven solutions. HEAR FROM OUR CLIENTS Helia Healthcare operates 10 skilled nursing facilities and four premier rehabilitation centers throughout Illinois.... I really love when I can share our achievements and congratulate our employees on their hard work because I couldn t be more proud of everything that they do to support each other, our patients, and our organization. Steve Miller, President, Helia Healthcare
6 How We Do It We know we can t achieve outstanding results alone. We seek clients who value collaboration, who understand the importance of setting and working toward ever-higher goals, and who want a true partner in achieving business objectives through effective risk management. ACCOUNTABILITY AS A CORE VALUE Our Account Management process fosters accountability. It ensures that we will be working day-in and day-out with a carefully planned, strategic process to manage your total cost of risk. OUR ACCOUNT MANAGEMENT PROCESS INCLUDES: PMA S ACCOUNT MANAGEMENT TEAM HELPS TO MANAGE OUR CLIENTS TOTAL COST OF RISK Underwriting Account Executive Account Management Team that is highly effective at communication, collaboration, and coordination. Team members know each other and our clients. That level of engagement empowers us to be more effective in helping manage our clients total cost of risk. Annual Action Planning that helps identify clear opportunities to improve safety and address your business risk; includes key action steps, accountabilities, and metrics. Annual Stewardship Reporting provides you with the status of your key metrics and their financial impact, and a review of claims outcomes. Claims Service Manager Nurse Case Manager CLIENT Claims Professionals Risk Control Professionals
7 Why PMA? The answer lies in the PMA difference our distinctive approach to serving our clients and conducting our business every day. At PMA, we still build relationships the old-fashioned way. Our clients know we care. And they know they can count on us to deliver the right solution for their business and to work passionately on their behalf. The Proof In the past six client satisfaction surveys, on average, 95% of clients have stated that PMA has met or exceeded their expectations Large client retention that averages 90% or higher Award-Winning clients, including 2013 Risk Manager of the Year, Lori Gray, Prince William County Clients rated PMA's claims technical knowledge and expertise at 95% OUR INVITATION We seek to partner with organizations whose philosophies align with ours. Those organizations recognize the value of a proactive and disciplined approach to managing risk. They view PMA as a true partner in protecting their assets and the safety of their people. They also stay highly engaged with PMA to actively manage risk, prevent losses, and effectively address losses when they occur. If your organization is looking for more tangible value and a truly collaborative, long-term relationship, please contact PMA or your independent broker or agent to learn more. For additional information, please contact: PMA Companies 380 Sentry Parkway Blue Bell, PA
8 About PMA Companies With over 100 years of experience, we are a trusted leader and recognized expert in commercial risk management insurance solutions and services. We specialize in workers' compensation and holistic TPA services. With a relentless focus on clients, we work with them to jointly tackle the risk management challenges that impact their total cost of risk and business results. Our service-driven culture is one of accountability, teamwork, and performance so every day, every employee is working hard on behalf of our clients. PMA Companies includes PMA Insurance Group, PMA Management Corp., and PMA Management Corp. of New England. Headquartered in Blue Bell, Pennsylvania, PMA Companies is part of the Old Republic General Insurance Group ( the largest business segment within the Old Republic International Corporation (NYSE: ORI), one of the nation s 50 largest publicly held insurance organizations by A.M. Best of Experience
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