Complex Comp

Practice Leaders

Jamie Reid


Gabe Erle



Pricing on large, complex work comp accounts can swing by 100k or more all due to actuary calculations.

Client based historical actuary data organized in a digestible format is the most powerful way to impact the loss pick, overall pricing and collateral requirements for a business.  C3’s proprietary actuary service will immediately impact the cost of your comp program.

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Collateral is often an afterthought to the overall structure of a large deductible policy, but the impact it can have on a business can be very constraining. This is a financial byproduct of insurance and most agencies invest little resource to effectively manage for their clients.

C3 utilizes the following to negotiate the best collateral position possible:

  • Actuary based client loss development

  • Spread of risk (concentration) for revenue

  • Financial statements demonstrating

  • Uncollateralized assets

  • Credit Score

  • Loss Fund


Claims Services

  • 24/7 Nurse Triage

  • Early Resolution Strategies

  • Choice Counsel

  • AME / QME Benefit Analysis

  • Physician Management

  • Subrogation & Recovery

  • Lien Defense

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Program Types

  • Traditional Guaranteed Cost

  • Large Deductible

  • Captive

  • Self-Insured