Workers Compensation Coverage

Smarter Claims. Lower Premiums. Real Results.

Alloy’s workers’ compensation model puts employers back in control. Unlike traditional insurance carriers, we manage your claims fund directly, giving you faster resolutions, reduced premiums, and real-time oversight. With Alloy, workers’ comp becomes a strategic advantage instead of a recurring expense.

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How Alloy Workers’ Comp Solution Works

Alloy manages Workers’ Compensation differently. We’re accountable for your outcomes, not just paperwork. When an injury happens, we step in immediately with expert claims navigation, early intervention, and fast return-to-work planning.

Because Alloy owns the risk, we have a financial incentive to resolve claims efficiently, reduce malingering, and improve your mod rate over time. Our model rewards prevention, not delay.

Key benefits:

  • Proactive Claims Management that reduces average claim costs by up to 30%
  • Pay-as-you-go billing that supports cash flow and eliminates overpayment
  • Integrated Wellness + Risk strategy that helps reduce injury frequency
  • Ohio-specific expertise for navigating BWC, DFSP, and group retro with confidence
  • National Coverage options that help employers in their specific state.

Our clients typically save 20–40% on Workers’ Comp premiums and see measurable improvements in safety culture and employee trust.

Workers' Compensation Results With Alloy

There IS a way to control your workers’ comp overhead expenses, lower risk, and
achieve better outcomes across the board. You need a partner who will act in your
best interest. Who will manage claims - and all of the other steps in the process - as if
they are their own.

You need Proactive Claims Management.

Save Money
Save Money

25 to 40 percent average savings on premiums.

Save Time
Save Time

Faster claim resolution and shorter downtime.

Drive Better Outcomes
Drive Better Outcomes

Get injured employees back to work faster, and create safer work environments for all.

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Industries We Serve

We help employers across a range of industries reduce their workers' compensation costs including:
DSPs
Delivery Service Providers
Healthcare
Healthcare & Nursing
manufacturing2
Manufacturing
work_injury
Construction & Trades
All Industries

Understand Workers' Compensation by State

Workers compensation coverage, rules and processes vary from state to state. Learn more about the unique situation of workers compensation in your state.

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A Better Workers' Comp Option -The Evolution of Alloy

Learn how Alloy Employer Services identified a gap in the workers' compensation industry and created a platform that now empowers businesses to efficiently and cost-effectively manage their workers' comp program.

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Signing up with Alloy has made a significant improvement in our Company, both Financially and Operationally. The savings from Worker’s Compensation has been significant and their general knowledge in matters of workplace safety has proved invaluable.

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, AMERICAN EMS, LLC

Workers' Compensation Frequently Asked Questions

Find answers to the most common questions about Workers’ Compensation coverage, claims, and cost control.

What is Workers’ Compensation and why does my business need it?

Workers’ Compensation is a state-mandated insurance program that provides wage replacement and medical benefits to employees injured on the job. It protects both your employees and your business from the financial impact of workplace injuries.

How does Workers’ Compensation coverage work?

When an employee is injured, Workers’ Compensation covers medical treatment, rehabilitation, and partial wage replacement during recovery. In return, the employee waives the right to sue the employer for negligence in most cases.

How can I reduce my Workers’ Compensation costs?

The biggest drivers of cost are claims frequency and severity. Alloy helps reduce both through proactive claims management, early intervention, and structured return-to-work programs. Many businesses see 20 to 40 percent in premium savings.

From start-to-finish, the design and strategy team provide all of the guidance and expertise necessary to build a high-conversion website.

What is proactive claims management?

Proactive claims management means monitoring and guiding each claim from the moment of injury to return-to-work. This includes fast triage, treatment coordination, accurate documentation, and regular communication to reduce delays and prevent complications.

How does Workers’ Compensation impact my business financially?

Premiums are based on payroll, industry classification, and claims history. A poor claims track record can raise your premiums for years. Managing claims effectively is essential to maintaining profitability and controlling long-term risk.

Can Workers’ Compensation be integrated with wellness programs?

What employers need to know. Get c answers to the most common questions about Workers’ Compensation coverage, claims, and cost control. 

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Workers' Comp & Wellness Together

Total Risk Shield is Alloy's comprehensive solution to decrease risk, improve health and protect employees.

Total Risk Shield

Total Risk Shield

Full Employee Protection With Alloy's Integrated Solution

Total Risk Shield is Alloy’s unified risk management system that brings together workers’ compensation, employee wellness, and compliance into one streamlined strategy.

Total Risk Shield

  • Integrate Workers' Comp & Wellness into one solution

  • Tax Savings - Employers save on payroll taxes, employees reduce taxable income

  • Create A Healthier Workforce

  • Improve Employee Morale

  • Mental health counseling and resources

  • One-on-one wellness coaching

Workers' Comp

  • Proactive Claims Management

  • 25-40% Savings On Premiums

  • Ohio Specific & National Options

  • Specially Geared For High Risk Industries

Get Started With Alloy Today

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Or call us toll free at 833-280-5324

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