Hello, I’m Nicole Corey.
I’ve worked in the worker’s compensation industry as both an adjuster and as a claim consultant for more than 20 years. This has given me an extensive practical knowledge and understanding of the workers compensation claims’ process in California, and more importantly, a deep appreciation for the impact that claims have on a business.
As an adjuster I became frustrated. Often, by the time the claim hit my desk it was too late. The injured worker had already litigated their claim or the employer’s action had already changed the course of a claim. In my opinion, the reason this occurred was due to both a lack of guidance and communication.
In 2018 I went to work for an insurance broker in Silicon Valley that specialized in the Construction Industry. I learned how claims and specifically a high Experience Modification Rate (EMR) can hurt businesses.
I know that having the right strategy at the onset of an injury will help to shorten the length, lower the cost and ultimately obtain the best outcome of the claim. That means that you as a business owner, the employer, can directly impact your claims, thus improving your EMR, and by doing so reducing your insurance premium as well.