Frequently Asked Questions
What does Raincoat Claims Consulting do?
We provide third-party claims management services and work comp cost control. We specialize in workers’ compensation and OSHA claims. Our role is to handle the claims process on behalf of businesses, ensuring claims are filed, managed, and closed efficiently while minimizing costs and reducing administrative burden.
How is claims management different from insurance or brokerage services?
We are not an insurance company or broker. Unlike brokers or insurers, our sole responsibility is to manage your claims accurately and efficiently. We don’t sell insurance—we manage the claims process for you, working in your best interest to reduce costs and protect your business.
Do you handle all types of claims?
We specialize in workers’ compensation and OSHA-related claims management. General liability insurance claims do not require specialized handling.
What industries do you work with?
We work with businesses across all industries—including high-risk sectors such as temporary staffing, construction, manufacturing, transportation, healthcare, warehousing, and more. Our services are designed to meet the needs of any organization with employees.
Can you help reduce our workers’ compensation premiums?
Yes, our services are designed to help you reduce claim costs, control your experience modification factor (mod), and improve your claims history—all of which contribute to lower premiums.
What’s the difference between claims management and claims handling?
Claims handling typically refers to the basic processing of claims paperwork. Claims management is a comprehensive service—we oversee the entire process from start to finish, provide strategic oversight, communicate with all parties, and actively work to reduce both claim duration and overall cost.
Process and Experience
How do you manage claims on behalf of your clients?
We become your dedicated claims representative. We oversee the claims process, from initial reporting to resolution, coordinating with employees, medical providers, and insurers to ensure each claim is managed as efficiently as possible.
How does your First Report of Injury process work?
Clients have three ways to report an incident to us; phone, text, or email. We accept report intake 24/7.Once we receive the report, we will begin working to ensure incidents are promptly reported to the provider within the regulated time frame to avoid fines. Our team assists in gathering incident details, employee statements, and witness accounts to ensure the claim starts off on the right foot and meets regulatory requirements.
Do you handle ongoing claims or only new ones?
We manage both new and existing claims. Whether you need assistance initiating a claim or resolving an open case, our team is ready to step in and support you. We always review ALL existing claims and work to reduce reserve risk.
How do you help prevent fraudulent or exaggerated injury claims?
Not only will we train your leadership to proactively stop fraudulent claims before they begin, we will personally review incident details, verify employee and witness statements, and identify inconsistencies early.
How do you communicate with clients during the claims process?
Each client is assigned a dedicated claims specialist who serves as your direct point of contact. We provide regular updates, detailed status reports, and strategic recommendations throughout the lifecycle of every claim.
Do you work directly with our insurance carrier?
Yes. We coordinate with your insurance carrier, medical providers, and any other involved parties to ensure that all aspects of the claims process are communicated clearly and managed efficiently, allowing you to be hands-off.
Do you provide training for our staff or management?
Absolutely. We offer a range of training services—including Management Training, Safety Training, and Claims Prevention Education to help your leadership and employees understand the claims process. We will dig into the numbers behind existing claims so employees can the see shock value that comes with the actual dollar amounts of work comp and OSHA fines.
Cost & Partnership
How are your services priced?
Our services are priced based on your company size, claim volume, and complexity. Your price-point will be entirely dependent on your claims history. Simply put, we are the most affordable claims management provider in the industry. We will never take a percentage of your savings like other claims consulting companies do. Our goal is to help YOU save.
Is there a long-term contract required?
No, we do not have long-term contracts. Our contracts are priced for a single year, and will reduce right beside your business’ risk-level.
What’s the benefit of using Raincoat Claims Consulting instead of managing claims in-house?
Managing claims internally can be time-consuming and error-prone. Our expertise, dedicated resources, and strategic approach ensure that your claims are managed efficiently, reducing administrative burden and saving you money.
What size businesses do you typically work with?
We work with businesses of all sizes—from small independent operations to large, multi-state corporations. If your company has employees and faces workers’ compensation or OSHA risks, we can help.
Do you offer one-time services, or only ongoing claims management?
There are no one-time services with claims management, as the handling of every individual claim is a different process. If your business is low-risk, your contract will be priced as such, allowing you to pay for only the services necessary to you.
Compliance & Risk
How do you ensure compliance with state and federal workers’ compensation laws?
We stay up-to-date with federal and state regulations, ensuring that every claim is managed in strict compliance with legal requirements, thereby minimizing risks and potential penalties. Our staff is held to a strict continued-education standard, allowing our knowledge to adapt with ever-changing regulations.
Can you help us if we’re facing penalties or compliance violations?
Yes, we can assist in resolving compliance issues, help with necessary filings, and work to implement systems that prevent future violations.
What happens if we already have an internal safety team?
Our services are designed to complement your internal team. We handle the complex, time-consuming aspects of claims management so your team can focus on production. Your safety team is trained to minimize risk in the field; our team will minimize risk on the back-end.
Can you help us improve our claims process to avoid future claims?
Yes. In addition to managing existing claims, we offer training and strategic consultation to help you improve your internal processes, reduce risks, and avoid unnecessary future claims.
Company
Why is your company called Raincoat Claims Consulting?
Just as a raincoat shields you from the storm, we protect your business from the unpredictable financial and operational impacts of workers’ compensation claims. Our mission is to help you weather the storm of claim-related challenges while keeping your costs in check.
Frequently Asked Questions
What does Raincoat Claims Consulting do?
We provide third-party claims management services and work comp cost control. We specialize in workers’ compensation and OSHA claims. Our role is to handle the claims process on behalf of businesses, ensuring claims are filed, managed, and closed efficiently while minimizing costs and reducing administrative burden.
How is claims management different from insurance or brokerage services?
We are not an insurance company or broker. Unlike brokers or insurers, our sole responsibility is to manage your claims accurately and efficiently. We don’t sell insurance—we manage the claims process for you, working in your best interest to reduce costs and protect your business.
Do you handle all types of claims?
We specialize in workers’ compensation and OSHA-related claims management. General liability insurance claims do not require specialized handling.
What industries do you work with?
We work with businesses across all industries—including high-risk sectors such as temporary staffing, construction, manufacturing, transportation, healthcare, warehousing, and more. Our services are designed to meet the needs of any organization with employees.
Can you help reduce our workers’ compensation premiums?
Yes, our services are designed to help you reduce claim costs, control your experience modification factor (mod), and improve your claims history—all of which contribute to lower premiums.
What’s the difference between claims management and claims handling?
Claims handling typically refers to the basic processing of claims paperwork. Claims management is a comprehensive service—we oversee the entire process from start to finish, provide strategic oversight, communicate with all parties, and actively work to reduce both claim duration and overall cost.
Process and Experience
How do you manage claims on behalf of your clients?
We become your dedicated claims representative. We oversee the claims process, from initial reporting to resolution, coordinating with employees, medical providers, and insurers to ensure each claim is managed as efficiently as possible.
How does your First Report of Injury process work?
Clients have three ways to report an incident to us; phone, text, or email. We accept report intake 24/7.Once we receive the report, we will begin working to ensure incidents are promptly reported to the provider within the regulated time frame to avoid fines. Our team assists in gathering incident details, employee statements, and witness accounts to ensure the claim starts off on the right foot and meets regulatory requirements.
Do you handle ongoing claims or only new ones?
We manage both new and existing claims. Whether you need assistance initiating a claim or resolving an open case, our team is ready to step in and support you. We always review ALL existing claims and work to reduce reserve risk.
How do you help prevent fraudulent or exaggerated injury claims?
Not only will we train your leadership to proactively stop fraudulent claims before they begin, we will personally review incident details, verify employee and witness statements, and identify inconsistencies early.
How do you communicate with clients during the claims process?
Each client is assigned a dedicated claims specialist who serves as your direct point of contact. We provide regular updates, detailed status reports, and strategic recommendations throughout the lifecycle of every claim.
Do you work directly with our insurance carrier?
Yes. We coordinate with your insurance carrier, medical providers, and any other involved parties to ensure that all aspects of the claims process are communicated clearly and managed efficiently, allowing you to be hands-off.
Do you provide training for our staff or management?
Absolutely. We offer a range of training services—including Management Training, Safety Training, and Claims Prevention Education to help your leadership and employees understand the claims process. We will dig into the numbers behind existing claims so employees can the see shock value that comes with the actual dollar amounts of work comp and OSHA fines.
Cost & Partnership
How are your services priced?
Our services are priced based on your company size, claim volume, and complexity. Your price-point will be entirely dependent on your claims history. Simply put, we are the most affordable claims management provider in the industry. We will never take a percentage of your savings like other claims consulting companies do. Our goal is to help YOU save.
Is there a long-term contract required?
No, we do not have long-term contracts. Our contracts are priced for a single year, and will reduce right beside your business’ risk-level.
What’s the benefit of using Raincoat Claims Consulting instead of managing claims in-house?
Managing claims internally can be time-consuming and error-prone. Our expertise, dedicated resources, and strategic approach ensure that your claims are managed efficiently, reducing administrative burden and saving you money.
What size businesses do you typically work with?
We work with businesses of all sizes—from small independent operations to large, multi-state corporations. If your company has employees and faces workers’ compensation or OSHA risks, we can help.
Do you offer one-time services, or only ongoing claims management?
There are no one-time services with claims management, as the handling of every individual claim is a different process. If your business is low-risk, your contract will be priced as such, allowing you to pay for only the services necessary to you.
Compliance & Risk
How do you ensure compliance with state and federal workers’ compensation laws?
We stay up-to-date with federal and state regulations, ensuring that every claim is managed in strict compliance with legal requirements, thereby minimizing risks and potential penalties. Our staff is held to a strict continued-education standard, allowing our knowledge to adapt with ever-changing regulations.
Can you help us if we’re facing penalties or compliance violations?
Yes, we can assist in resolving compliance issues, help with necessary filings, and work to implement systems that prevent future violations.
What happens if we already have an internal safety team?
Our services are designed to complement your internal team. We handle the complex, time-consuming aspects of claims management so your team can focus on production. Your safety team is trained to minimize risk in the field; our team will minimize risk on the back-end.
Can you help us improve our claims process to avoid future claims?
Yes. In addition to managing existing claims, we offer training and strategic consultation to help you improve your internal processes, reduce risks, and avoid unnecessary future claims.
Company
Why is your company called Raincoat Claims Consulting?
Just as a raincoat shields you from the storm, we protect your business from the unpredictable financial and operational impacts of workers’ compensation claims. Our mission is to help you weather the storm of claim-related challenges while keeping your costs in check.