The Renaissance Plan

The Renaissance Plan is more than an insurance policy: it is a total plan to manage workers' compensation risk. The Plan combines traditional workers' compensation coverage with a proven strategy to minimize occupational injuries, manage medical care, and return injured workers promptly to the workplace.

The Plan is based on these fundamental principles:

  • Promote a self-insurance mindset in the standard market
  • Focus on getting injured workers well and back to work as soon as possible
  • Involve the employer proactively in every step of the process, including education and training, Plan implementation, and active communication with Plan service providers
  • Concentrate on the needs of employees and employers
  • Integrate an expert, responsive team of support services through "best in breed" service providers
  • Replace the traditional adversarial model with a positive, supportive environment in which workers' compensation is viewed as a benefit, not a necessary evil, by both employees and employers

Key elements of the plan

  • Effective, timely communications among all participants in the process
  • Proactive, practical, and instructive loss prevention and control services
  • Self-insurance oriented post-injury management process, including
    • Aggressive claims management
    • Preferred medical providers
    • Assertive and practical return-to-work strategies
  • Comprehensive employer education on the fundamentals of sound workers' compensation risk management designed to maximize employers' involvement in all phases of the process

We are not selling the lowest price, but we are selling the lowest cost.

The single biggest factor in determining an employer's workers' compensation cost is the employer's own experience modification. Poor experience can more than double the employer's cost, regardless of any temporal up-front premium credit. Every dollar of cost of an injury has a negative effect on the experience modification for three years and the modification follows the employer wherever he goes, regardless of which insurer provides coverage. By doing everything possible to minimize the occurrence of injury and to minimize the effects of an injury once it has occurred, The Plan drives down the eventual and unavoidable cost of workers' compensation. In this regard The Plan acts as the steward of our insured employers' experience modifications.

Conceived, developed, owned, and managed by insurance agents

The Plan was put together and is managed by independent insurance agents, who have first-hand knowledge of their clients' workers' compensation risk management needs. Agents have lived the day-to-day frustrations of clients who have had to cope with impersonal, detached and unresponsive traditional insurance providers. The Plan was conceived and crafted by agents as a means of ensuring the timely, responsive, expert, and professional delivery of worker's compensation services their clients deserve. No one can greater appreciate the efficacy of matching service with client needs than independent insurance agents.