Give Your Agency a Workers’ Compensation Advantage

• CIV Inc. helps insurance agents strengthen client relationships, improve renewal outcomes, and uncover workers’ compensation issues that routine account servicing may not reveal.

• We do not sell insurance, place coverage, or compete for your accounts. CIV works alongside your agency as an independent forensic-review resource, while you remain your client’s trusted insurance advisor.

 

Support for Your Existing Clients

• Partnering with CIV can help your agency:

• Add specialized workers’ compensation review capabilities without hiring additional staff or increasing payroll expense

• Verify the historical claims, payroll, classification, audit, and experience rating information used to calculate client premiums

• Identify potential problems before they create surprises at final audit or renewal

• Pursue eligible premium refunds, credits, and experience modification corrections

• Present clients to underwriters using more accurate and complete information

• Improve a client’s underwriting profile when correctable errors are identified

• Strengthen client loyalty by offering a specialized service many competing agencies do not provide

• Demonstrate that your agency is proactively working to control workers’ compensation costs

• Support long-term client retention and referral opportunities

 

When a correction requires communication with a carrier, underwriter, or rating bureau, CIV can coordinate its efforts with your agency. This allows you to remain informed and involved while helping protect your professional relationships.

 

Strengthen Renewals and New-Business Opportunities

Differentiate yourself when pursuing prospective clients.

 

Our independent reviews give you an opportunity to:

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• Offer prospects a distinctive workers’ compensation service without adding internal overhead

• Begin a meaningful, low-pressure conversation based on potential savings and data accuracy

• Identify previously overlooked issues affecting a prospect’s premiums or experience modification factor

• Demonstrate value before asking the prospect to change agents

• Reengage former clients with a new and relevant service

• Remain visible to prospects throughout the review process

• Build a stronger foundation for future agent-of-record discussions

• Help prepare more accurate information for marketing and underwriting submissions

 

Your Client Relationship Remains Protected

CIV works as an extension of your workers’ compensation team—not as a replacement for your agency.

• We do not sell insurance or place coverage.

• We do not compete for your accounts.

• We respect the agent-client relationship.

• We coordinate our work with your agency when appropriate.

• Your agency receives recognition for introducing a valuable cost-control service.

• You remain the client’s primary insurance advisor.

 

Flexible Engagement Options

• Qualified clients may be eligible for CIV’s No Recovery, No Fee shared-savings program. Hourly and fixed-fee arrangements are also available for businesses that do not meet the program requirements.

• There is no fee or staffing expense to the agency unless a separate arrangement is established. Client fees and engagement terms are disclosed in advance.

 

Give your agency an additional workers’ compensation resource without adding staff or competing for the account. Contact CIV to schedule a confidential agency-partner consultation.