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Raincoat Claims Consulting

OSHA Defense · Workers' Comp · Nationwide

An OSHA Citation Doesnt Have to Derail Your Business.

When an inspector walks in unannounced, the clock starts ticking. Raincoat Claims Consulting steps in as your outsourced compliance department, handling every citation, every deadline, and every dollar at stake so you can focus on running your business.

$16,550

Max fine per serious violation

10×

Multiplier for repeat violations

4 hrs

To produce OSHA logs when requested

12 mo.

Of coverage in every contract

Understanding the Problem

Most businesses aren't ready when OSHA shows up.

Inspectors arrive without notice, document everything they observe, and leave. The inspector isn't the one who determines your fine. The Area Director does that, typically weeks later by mail. By then, it's too late to address what was observed on the day of the inspection.

“Once we've observed something during an inspection, that finding stands. We can't go back and revise what we saw.”

Standard OSHA inspection protocol, communicated to businesses during every inspection

Serious violations carry fines of up to $16,550 per citation item. Citations are issued per item, not per inspection. Repeat violations, where a previously cited issue wasn't corrected, are subject to fines up to ten times that amount.

Illustrative example: how OSHA citations stack in one inspection

PPE Hazard Assessment Not Documented

Serious
up to $16,550

No Written Lockout/Tagout (LOTO) Program

Serious
up to $16,550

No Hazard Communication Program

Serious
up to $16,550

OSHA Logs Not Provided Within Required Timeframe

Other-Than-Serious
typically $4,500

Deficiencies in Training Documentation

Other-Than-Serious
typically $4,500
Combined exposureEach item is penalized independently
$58,650
OSHA citation paperwork spread across a desk with a pen resting on the page

There Is a Path Forward

OSHA citations can be negotiated. Programs can be built. Fines can be reduced. That's exactly what we do.

Most business owners don't realize that receiving a citation isn't the end of the process. It's the beginning of one we manage on your behalf. From documentation to the informal conference, we're with you at every step.

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Common Misconceptions

Most employers assume they'll get a warning.

They won't.

What they think

OSHA will point out problems and give us time to fix them.

How it actually works

OSHA documents violations on the spot. Citations and penalties are issued by mail weeks later. There is no grace period.

What they think

We'll only get fined if someone gets hurt.

How it actually works

OSHA cites hazards, not incidents. A missing safety program or undocumented training is enough for a serious violation, even with zero injuries.

What they think

A first offense means a small fine and a slap on the wrist.

How it actually works

Serious violations start at up to $16,550 per item. A single inspection can produce multiple citations that stack independently.

We build the programs and documentation that keep you compliant and inspection-ready.

Before OSHA arrives.

Find Out Where You Stand →

Our philosophy

We don't lead with safety.

We lead with compliance.

Because compliance is what protects your business.

Most businesses we work with didn't neglect compliance intentionally. They simply weren't aware of what was required. OSHA regulations are complex, industry-specific, and not widely understood. That's the gap we exist to close.

01

Service One

OSHA Citation Defense & Compliance

When a citation arrives, the language is technical, the deadlines are tight, and the requirements are industry-specific. Raincoat takes ownership of the entire process, from translating the citation to representing you at the informal conference, where we negotiate directly with OSHA to reduce your penalties.

Consultant and business owner reviewing documents together at a conference table

Citation Breakdown

Every violation translated into plain language: what it means, what’s required to resolve it, and when it’s due.

Program Creation

We build the required programs from scratch: hazard assessments, PPE, HAZCOM, respiratory protection, and more.

OSHA Correspondence

We draft every response to OSHA. You review, sign, and send. No guesswork.

Informal Conference

Most business owners don’t know their penalty can be formally contested. We handle that process on your behalf.

Ongoing Support

After the citation is resolved, we continue building the compliance infrastructure for any future inspection.

Citation Breakdown

Illustrative example of a single inspection

5 ITEMS
1aSerious
up to $16,550

PPE Hazard Assessment Not Documented

1bSerious
up to $16,550

No Written Lockout/Tagout (LOTO) Program

2aSerious
up to $16,550

No Hazard Communication Program

2bOther-Than-Serious
typically $4,500

OSHA Logs Not Provided Within Required Timeframe

3aOther-Than-Serious
typically $4,500

Deficiencies in Training Documentation

Combined exposure

Each item is penalized independently

$58,650
02

Service Two

Workers' Compensation Management

Most businesses assume their carrier is managing claims on their behalf. In practice, carriers set reserve amounts that directly affect your annual premiums, and those numbers aren't always challenged. We step in to actively manage claims, dispute inflated reserves, and keep your costs under control.

Construction site foreman in a hard hat reviewing a clipboard with workers in the background

Loss Run Review & Management

We analyze your claims history to identify patterns, flag errors, and uncover savings opportunities.

Reserve Dispute & Negotiation

Inflated reserves drive up your premiums. We challenge them directly with the carrier on your behalf.

Insurance Adjuster Communication

We handle all communication with adjusters so claims move forward accurately and on schedule.

Fraudulent Claim Identification

We review claims for red flags and coordinate with your carrier when fraud is suspected.

Light-Duty Return-to-Work Programs

Getting injured employees back to modified duty faster reduces claim costs and keeps your mod low.

Medical Bill Audit & Review

We review medical charges against fee schedules to catch overbilling and unnecessary treatment costs.

Premium Escalation

Illustrative example of how unmanaged claims affect premiums over time

Year 1 · Mod 1.0$50,000

Baseline. Clean record.

Year 2 · Mod 1.4$70,000

Two unmanaged claims.

Year 3 · Mod 1.8$90,000

Reserves left unchallenged.

Year 4 · Mod 2.2$110,000▲ 2×

Same policy. Premium has doubled.

With active claims and reserve management: Lower reserves lead to lower reported claim costs, which keeps the E-Mod in check and premiums stable. For businesses with frequent claims, the compounding effect over time is significant.

How It Works

A straightforward process designed to take the burden off you entirely.

We've structured our process so that the time and effort required from you is minimal. A short intake, one questionnaire, and from that point forward we handle everything.

Business owner at a desk looking at a laptop with organized paperwork beside them

“I sent the documents on a Thursday evening and by Friday morning, everything was done and submitted.”

Client feedback on onboarding experience

01

Initial Consultation

Tell us about your situation. We’ll give you a clear picture of what you’re facing and a straightforward price. No lengthy proposals or sales process.

02

Send Us Any OSHA Documents

Share OSHA’s document request, any correspondence, and any safety programs or records you may already have. If you don’t have everything, that’s okay. We’ll identify the gaps and handle the rest.

03

Complete a Short Questionnaire

A ten-minute questionnaire about your operations, equipment, and any chemicals on-site. This is the primary information we need to build your compliance programs.

04

We Manage the Rest

Deadlines, programs, OSHA correspondence, the informal conference. All handled by us. When we need something from you, we’ll tell you exactly what to do and how.

Industries We Serve

Any business with employees is subject to OSHA jurisdiction and Workers' Compensation liability.

We work with businesses of every size and type, from a single-operator contractor to multi-location manufacturers. What matters isn't the industry; it's having someone in your corner who understands the requirements.

Busy warehouse loading dock with workers moving pallets and forklifts in the background

Temporary Staffing Agencies

As the employer of record, staffing agencies bear full workers' comp liability for every placed worker, across every job site and industry.

Construction

Ongoing exposure from equipment use, hazardous materials, and physical working conditions makes proactive compliance essential.

Warehousing & Logistics

Forklift operation, carbon monoxide monitoring, and high injury rates create consistent regulatory scrutiny.

Manufacturing

Machine operation, required PPE programs, and recordkeeping obligations require ongoing compliance management.

Restaurants & Food Service

Kitchen hazards, chemical use, and employee turnover contribute to regular workers' comp claims that benefit from active management.

Farming & Agriculture

Heavy chemical and pesticide use triggers specific HAZCOM obligations, alongside high rates of workplace injury.

Healthcare

Biohazard exposure programs, patient handling requirements, and frequent claims require a specialized compliance approach.

And Many More

If you have employees, we can help. OSHA jurisdiction covers virtually every workplace in the country, and so do we.

Google Reviews

Real results from real clients.

We let our work speak for itself. Here is what business owners say after working with Raincoat.

5.0

We contacted Raincoat Consulting after we were fined by OSHA and it was a great experience for Ingenuity Concepts. Brett worked with us on every step of the abatement and appeal process. Brett and his team redid our Safety Program and he was also on our Appeals Zoom Call. As result of all Raincoat's hard work we were able to get our fine reduced by 70%. Thank You Raincoat Claims Consulting!!

Tim Heyne

We brought Raincoat in after a string of bad claims. They walked us through our policy line by line and explained everything that was working against us. It honestly opened our eyes because we never knew any of this made a difference, we just let our broker handle it in the past. We saved more money on our policy than we spent to hire Raincoat so its a win/win.

Tom Gould

Raincoat Claims Consulting reached out to my company after our first OSHA inspection. We were panicking because they found a few violations. Once we signed on, they handled the entire claim and we didn't get a single fine.

Nina P

Why Raincoat

Not a safety firm. Not a law firm. Not an insurance broker.A compliance partner.

Our focus is compliance: building the documentation, programs, and processes that protect your business financially and keep you prepared for any future inspection.

Internal Safety Manager

$75K–$150K / yr

Litigation Attorney

$250–$500 / hr

Raincoat

Fraction of the cost

Compliance over safety theater

We focus on what OSHA actually measures: documented programs, recorded trainings, and filed paperwork. That's what protects your business.

Not your attorney

Attorneys are expensive and aren't equipped to build compliant safety programs or navigate the informal conference process the way we are.

Not your insurance carrier

We advocate for your interests, not the carrier's. Contesting inflated reserves directly benefits you, not them.

An outsourced department

For a fraction of what an in-house safety director costs, you get a team with deep expertise across hundreds of cases and industries.

No-blame onboarding

Most clients we work with don't have their programs in place when they call us. That's the norm, not the exception. We start where you are and build from there.

FAQ

Frequently Asked Questions

Get Started

Whether you received a citation today or want to get ahead of an inspection, we can help.

Our first conversation costs you nothing. We'll review your situation, explain what you're facing in plain language, and outline what working together would look like, without any pressure to proceed.

Serving businesses in all 50 states
12-month contracts and single-inspection engagements available
Pricing provided on the first call. No proposals or lengthy process
OSHA-authorized consultants with former OSHA inspector experience

Request a free case review.

Share a few details about your situation. We'll follow up with a clear, straightforward assessment.