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DMC Insurance

WORKERS’ COMPENSATION

Helping employers across the country manage the rising costs of Workers’ Compensation, through disciplined claims expertise, proven cost-containment strategies, and dedicated risk engineering, all backed by a carrier you can trust.

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COMPREHENSIVE WORKERS’ COMPENSATION SOLUTIONS

At DMC Insurance, we understand the challenges employers face when managing complex Workers’ Compensation claims. Whether you employ medical staff, educators, operators, or service teams, our program is designed to deliver meaningful cost savings and stronger outcomes for injured workers across a variety of working environments.

Every policy includes dedicated risk engineering, robust medical management, and proven claims cost containment strategies, delivered with transparency, flexibility, and a commitment to long-term partnership.

Primary Coverage

Covering workplace injuries, medical expenses, and lost wages as required by state law.

High-Retention and Excess Solutions

Coverage attaching above a self-insured retention, providing statutory protection for qualified self-insured employers.

Flexible Program Structures

Including guaranteed cost, high deductible, and retrospective rating plans, to best fit a company’s risk tolerance and cash flow needs.

Cost Containment Solutions

Proactive strategies and resources that help reduce claim costs, including medical bill review, return-to-work initiatives, and safety programs.

Stop-Gap Coverage in Monopolistic States

Filling coverage gaps where standard workers’ compensation policies are not available.

Why Choose DMC Insurance?

  • Cost Containment: Achieve measurable cost savings through disciplined claims oversight, medical cost controls, subrogation strategies, and fraud prevention supported by our Special Investigation Unit (SIU).
  • Risk Engineering: Our dedicated DMC Risk Engineering team collaborates with each customer to help enhance workplace safety and safeguard customers against unexpected liability.
  • Claims Expertise: Our experienced claims team delivers the best possible outcomes using proactive outreach, innovative approaches, and results-oriented protocols for effective claim resolution.
  • Return-to-Work Program: Our proactive program involves setting expectations early and maintaining regular communication to heighten productivity and morale. We tailor plans to each individual’s situation and help create transitional assignments that keep injured employees engaged and help them return sooner.

TAILORED SOLUTIONS FOR YOUR INDUSTRY

Explore our tailored workers’ compensation solutions, designed to address the unique risks and needs of industries such as transportation, healthcare, education, and leisure-focused operations, ensuring comprehensive protection for your workforce.

HEALTHCARE

Our Solution

EDUCATION

Our Solution

TRANSPORTATION & LOGISTICS

Our Solution

LEISURE & PUBLIC FACILITIES

Our Solution

Comprehensive Protection: See Inside Our Industry-Leading Program

 

  • Medical Management Program: We provide reasonably priced, high-quality medical care to maximize efficient medical recovery.
  • Medical Networks: Available in all jurisdictions with qualified providers, facilitating direction of medical care where permitted.
  • Pharmacy Programs: Temporary and retail pharmacy cards available to help injured workers avoid out-of-pocket expenses, supported by a network of over 62,000 providers.
  • Case Management: Telephonic and field services offer coordination and intensive management for complex claims.
  • Utilization Review: Ensures appropriate treatment plans, with access to specialized review systems.
  • Catastrophic Case Management: Provides specialized care at top medical facilities for severe injuries.

 

 

Comprehensive Protection: See Inside Our Industry-Leading Program
  • Medical Management Program: We provide reasonably priced, high-quality medical care to maximize efficient medical recovery.
  • Medical Networks: Available in all jurisdictions with qualified providers, facilitating direction of medical care where permitted.
  • Pharmacy Programs: Temporary and retail pharmacy cards available to help injured workers avoid out-of-pocket expenses, supported by a network of over 62,000 providers.
  • Case Management: Telephonic and field services offer coordination and intensive management for complex claims.
  • Utilization Review: Ensures appropriate treatment plans, with access to specialized review systems.
  • Catastrophic Case Management: Provides specialized care at top medical facilities for severe injuries.

 

High-Retention & Excess Workers’ Compensation Programs

For organizations retaining more risk, DMC offers Workers’ Compensation programs designed for high deductible or self-insured retentions, typically $100,000 and higher. These programs are ideal for employers seeking greater control over their claims outcomes, cost volatility, and long-term risk performance.  
    • Designed for employers with the financial security to take on more of their own risk
    • Access to DMC’s full claims management, cost containment programs, and risk engineering resources
    • Flexible structures to support mid-size to large employers and complex operations

WHAT OUR CLIENTS SAY

We’ve had some complicated claims, and DMC talked us through every issue and explained how the different jurisdictions can impact the case. They help us feel very comfortable with the decisions and recommendations they offer us.

I have had a very good experience and open lines of communication with DMC and the workers’ compensation team. I feel like DMC is on top of the claims rather than letting the claims run themselves.

DMC INSURANCE

A PARTNER YOU CAN TRUST

  • Our reputation is built on integrity, reliability, and a proven approach to helping companies protect their people and manage costs
  • Backed by the financial strength of an A+ (Superior) AM Best rating, as a subsidiary of Crum & Forster
  • Nationwide network of adjusters with a deep understanding of state-specific laws and requirements
  • Comprehensive network of vetted defense firms with industry-specific specialty practices
CONTACT US TO LEARN MORE
DMC Insurance