Workers' Compensation

Take Ownership of Your Company's Workers' Compensation Process

As Workers’ Compensation expenses continue to grow for employers of every size and across all industries, understanding and addressing the many hidden costs allows companies to take control of their Workers’ Compensation programs.

The Liberty Company utilizes proprietary analytics, experienced claims advocates, and a proven, wholistic consultative process to allow employers to take ownership of the Workers’ Compensation process.

Why Choose Liberty for Workers' Compensation?

For over 20 years, our Workers’ Compensation Consulting team has studied the aspects of a Workers’ Compensation program that truly drive cost, looking beyond your Premium or Experience Modification.

Analytics that help you save

Our Analytics team dives into your data and extrapolates key cost drivers.

Experienced Claims Consultants

Our team of experienced Claims Consultants then uses those data points to determine mitigation strategies that result in long-term cost minimization.

Minimize your premium and collateral requirements

Our Risk Managers use these results to leverage against the open market in order to minimize your premium and collateral requirements, which means more money in your pocket.

Take Control of Your Workers' Comp

How Can We Help Your Business?


With advanced, customized analytics, our team is able to root out hidden costs, identify trends, maximize premium spend, and make decisions that ultimately maximize the efficiency of your program.

Program Consulting

Advanced Analytics and Predictive Modelling ,Tailored Program Design and Implementation, Human Resources Consulting, Training and Development, Claims Mitigation and Advocacy, and Legal Panel Management.

Case Studies

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What Workers' Compensation Coverage Options Are Best for Your Business?

At Liberty, our team of experts can help you find the right coverage at the right price for your business.

Frequently Asked Workers' Compensation Questions

Yes! Every state requires some sort of workers’ compensation coverage for businesses with a certain number of employees. Additionally, certain industries have federal programs that require a certain level of workers’ comp coverage (i.e. railroad workers, longshore and harbor workers, defense contractors, oil rig workers, etc.)

Workers’ comp premiums are calculated based on the risks your company faces and the number of employees you must cover.

There are a couple of indicators that your program is not operating properly –  high claim severity costs, little to no advocacy, minimal analytics, to name a few – but if you are asking the question, you already know the answer. At Liberty, we recommend you choose our team of experts because we offer expert guidance, quotes from all the best carriers, claims support, and a host of other options that will maximize the performance of your business.

At Liberty, we believe walking to a new program, not running, is the best approach to fully understand what is ideal for your company. Self-funding/partial self-funding and captive insurance products can be beneficial for particular risk profiles. Our experts can analyze and evaluate your needs and goals to determine what the best options are for your business, providing services to place or build alternative insurance products.

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