For Professional Employer Organizations
Claims Services for PEOs
Outsourced workers' compensation claims management, field investigations, and EMR/MOD control — run by a board-certified adjuster who works for the PEO, not the carrier.
Founded 2012 · FL 6-20 Board Certified Insurance Adjuster · Licensed in 12 states · 5,000+ claims managed
The gap between the carrier's adjuster and your MOD
When a worksite employee is injured, the carrier assigns an adjuster. That adjuster is measured on the carrier's caseload and the carrier's outcomes. Nobody on the file is measured on your outcome — the Experience Modification Rate that prices your master policy, the loss run your underwriter reads at renewal, and the worksite client you keep or lose over a claim that went sideways.
All Lines Claim Consultants fills that gap. We are the PEO's dedicated claims team: investigating early, managing the carrier, coordinating medical care and return-to-work, recovering subrogation dollars, and keeping files out of litigation — with every decision made against its impact on your MOD.
What a PEO gets when ALCC handles claims
One accountable team across every worksite employer, every state, and every stage of the claim.
Workers' Compensation Claims Administration
First report of injury through closure: intake, compensability review, coordination with the carrier's adjuster, medical management, and return-to-work planning for every claim across your worksite employers.
Full Claim Lifecycle Management
One accountable team from accident to resolution. We manage the file, the carrier, the medical providers, and the worksite employer so nothing stalls, over-reserves, or drifts into litigation.
EMR / MOD Control
Every claim decision is made with its Experience Modification Rate impact in mind — reserve accuracy, timely closure, subrogation credit, and dispute of mis-coded losses — because your MOD drives your master-policy pricing and your ability to win new worksite clients.
Field Investigations & Recorded Statements
Licensed adjusters on site quickly after an incident: scene documentation, witness and claimant recorded statements, and fraud indicators identified early, when they still change the outcome.
Onsite & Post-Accident Drug Testing
Mobile, same-day testing coordinated with the investigation so post-accident results are defensible and compliance requirements are met across your client sites.
Subrogation & Recovery
Third-party liability identified at intake and pursued to recovery, returning dollars to the loss run and reducing the experience that follows your PEO into renewal.
Litigation Prevention
Early contact, clear communication with injured workers, and disciplined file handling — the practices that keep claims out of attorney representation, where costs multiply.
Reserve Oversight & Reporting
Independent review of carrier reserves, claim-level analytics, and reporting your leadership and underwriters can act on.
How PEO claims move through ALCC
Intake
Injury reported to ALCC; contact with the worksite employer, injured worker, and carrier within hours — under 2 on average.
Investigation
Facts established on site: statements, documentation, testing, compensability, and any third-party liability.
Management
Medical coordination, return-to-work, reserve monitoring, and carrier oversight through the life of the claim.
Resolution
Closure driven to the outcome that protects your MOD — settlement, recovery, or denial — with full documentation.
Results PEO clients see
Experience modification brought below 1.0 through disciplined claim management.
Subrogation recovery returned to the loss run.
Reduction in litigated claims through early contact and clean files.
PEO claims services — common questions
- What claims services does ALCC provide to PEOs?
- ALCC provides outsourced workers' compensation claims administration, full claim lifecycle management, EMR/MOD control, field investigations and recorded statements, onsite and post-accident drug testing, subrogation and recovery, litigation prevention, and reserve oversight with reporting — for Professional Employer Organizations and the worksite employers they co-employ.
- Why would a PEO outsource claims management instead of relying on the carrier’s adjuster?
- A carrier adjuster manages the claim for the carrier. ALCC manages the claim for the PEO — the party whose Experience Modification Rate, master-policy pricing, and client retention depend on the outcome. Independent oversight catches over-reserving, missed subrogation, slow closures, and mis-coded losses that a PEO would otherwise absorb at renewal.
- How does claims management affect a PEO’s EMR or MOD?
- The Experience Modification Rate is calculated from claim frequency and severity over the experience period. Timely closure, accurate reserves, recovered subrogation dollars, and avoided litigation all lower the losses that feed the calculation. Managing every claim with its MOD impact in view is how ALCC has helped clients bring a MOD from 1.27 down to 0.84.
- Does ALCC replace the PEO’s workers’ compensation carrier?
- No. ALCC is a claims consulting and management firm, not an insurer. We work alongside your carrier and its adjusters as the PEO's dedicated advocate on every file, from first report through resolution.
- Which states does ALCC handle PEO claims in?
- ALCC's principal adjuster is licensed in 12 states, and the firm serves PEOs and employers nationwide from its headquarters in Punta Gorda, Florida.
- How quickly does ALCC respond to a new claim?
- Average response time from intake is under two hours, with 24/7 claim reporting available to worksite employers.
Put a claims specialist on the PEO's side of the file
Talk directly with Renee Bryant about your worksite claims, your MOD, and what an outsourced claims team would change at your next renewal.
All Lines Claim Consultants · 6600 Taylor Road, Suite 103, Punta Gorda, FL 33950 · rbryant@alllinescc.com