We Strive to Deliver Optimal Outcomes

3CU’s Claims team is passionate in its efforts to achieve equitable and judicious claim resolution. With our ‘shop-owner’s mentality,’ we demand superior outcomes for our customers. We empower our claims professionals to make critical decisions in order to achieve results.

As part of our effort to deliver optimal outcomes, we:

  • Limit adjusters to 125 indemnity claims. This ensures our professionals have the time and resources to execute quality claims management protocols for each customer.
  • Achieve significant claims savings. Since our start in 2010, 3CU’s overall claims costs have been 14.8% below the industry average.1
  • Assign a dedicated claims professional to each of our customers. This guarantees that clear and constant communication occurs from the start of our partnership.
  • Set the bar for the workers’ compensation industry on claims quality standards. Rather than a “one-size-fits-all” approach to claims management, 3CU applies the right resources at the right time so that we can identify opportunities to mitigate current and future losses. When it matters, our claims experts are in the field conducting interviews and on-site investigations. We value our customers’ concerns, input and feedback at all times, which distinguishes us from our competitors.
  • Develop strategies before losses occur. 3CU believes loss mitigation starts long before a loss happens. We collaborate with our customers to identify opportunities for enhancement and develop customized safety tools and protocols that fit their business.
  • See the ‘big picture.’ Our claims professionals understand the elements of workers’ compensation insurance that drive a safer workplace, promote profitable business and reduce experience modifiers and rates for our customers.
  • Capitalize on the scalability of AF Group to provide industry-leading cost savings. Partnerships with leading PPO and prescription networks, occupational clinics, imaging, durable medical equipment (DME), translation and imaging services help to lower medical spend for claimants. Care Analytics® identifies experienced workers’ compensation medical providers who adhere to best practices for treating claimants, helping us to spend smarter as well.

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1 Based upon 3CU accident year data from 2010-2015 (excluding medical only loss amounts) and 2010-2015 industry data from NCCI, WCIRB (CA), NYIRB and NJCIRB.