Question 1

What exactly does Raincoat Claims Consulting do?

Accepted Answer

We provide third-party claims management, workers' compensation cost control, and OSHA compliance consulting. We act as your outsourced health, safety, and claims department — handling citations, managing claims, negotiating fines, and building compliance programs.

Question 2

How is this different from an insurance broker?

Accepted Answer

We don't sell insurance. Our sole responsibility is to advocate for you as the employer during the claims process and OSHA interactions to reduce your costs. We coordinate with carriers, medical providers, and legal teams so you can remain hands-off.

Question 3

Can you help if I've already received an OSHA citation?

Accepted Answer

Absolutely. We specialize in citation defense. We'll break down every violation, handle all OSHA correspondence, represent you at informal conferences, and typically save clients 30-100% of their assessed penalties.

Question 4

What if we don't have any compliance programs in place?

Accepted Answer

That's most of our clients. We build everything from scratch — Hazard Assessments, HAZCOM programs, PPE programs, training documentation, and more. We're non-judgmental about where you're starting from.

Question 5

Can you manage our existing open workers' comp claims?

Accepted Answer

Yes. We review all existing claims to identify opportunities to reduce reserve risk and drive closures. We handle adjuster communication, challenge inflated reserves, and work to lower your experience modification rate.

Question 6

Do you work with our current insurance carrier?

Accepted Answer

We coordinate with carriers, medical providers, and legal teams so you can remain hands-off. We're an independent advocate — not affiliated with any carrier or broker.

Question 7

What does the onboarding process look like?

Accepted Answer

It's simple: a brief intake call, you send us any existing documents, and you complete a short questionnaire (about 10 minutes). After that, your job is essentially done — we handle everything from there.

Question 8

How much does it cost?

Accepted Answer

Every engagement is tailored to your company size, number of facilities, and complexity, so we quote after a brief discovery call. What we can tell you: our fees are a fraction of the OSHA fines, inflated reserves, and unnecessary claim costs you'd face without proper advocacy. There are no long-term lock-in contracts, and as your risk reduces, your pricing reduces accordingly. Most clients see a net savings well beyond what they pay us.

Frequently Asked Questions

Frequently Asked Questions

Talk to a consultant today. No cost, no obligation.