The Claim Is Built Before Anyone Calls the Carrier
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Alliant Insurance Services

Workers' Comp Briefing

October 2026

Dana,

Most employers judge their workers' comp program by the renewal. By the time a number shows up there, it has been decided for a year or more, mostly in the first hours of each injury and in what happened at the locations nobody was watching closely.

The steps that hold that cost down are the same steps that tell an injured employee their employer is on their side: a clear first response, a real job to come back to, and someone who follows through. Doing right by your people and controlling your claims are not a trade. They are the same work.

This month I am sharing three pieces on that work: what the employer has to capture before anyone calls the carrier, why transitional duty has to be written down before the injury happens, and why your company wide average is hiding the location that costs you the most.

The Claim Is Built Before Anyone Calls the Carrier

Everyone downstream of the first report can only work with what the employer captured on the day. That part of the claim belongs to you, and it is decided in hours.

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Transitional Duty Has to Exist Before the Injury Does

Most employers are willing to bring an injured employee back. Very few have written down what that employee would actually do, and the gap shows up as lost days.

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Your Average Is Hiding Your Most Expensive Location

A company wide number tells you how the program performs on paper. The spread between your best and worst locations tells you where the money is going.

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Chad Hoxie, CPCU, ARM

Alliant Insurance Services


Workers' Comp Briefing

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