Henderson Brothers Insurance Agency

Consultative Services

Henderson Brothers has successfully consulted with companies in various industries to reduce costs associated with non-compliance with various regulatory agencies (i.e.: OSHA), Human Resource issues (i.e.: HIPAA, COBRA, FMLA etc.), and risk management issues like Workers’ Compensation. Most importantly, all of these consultative services can be done at no additional cost to your company. 

Claims Analysis Report & Trending (CART)

This is a program designed by Henderson Brothers that helps identify trends found in your company’s claim history. We analyze claims by division, department, the type of injury, body parts affected, the common cause of injury, and the year, month, and even day a claim is most likely to occur. Unlike what carriers may provide, Henderson Brothers takes it a step further. As an independent agent, we evaluate data from multiple carriers with multiple claim years. This allows you to drill down and see where common problem areas arise, which we will then use to develop a plan to lower claims and their subsequent costs, thereby decreasing your insurance costs.

Experience Modification Analysis

Henderson Brothers developed a program to specifically analyze the factors driving your experience modifier. This program allows us to identify the effect of each workers’ compensation claim on your experience modifier (mod) and ultimately your bottom line.

Through this program we have the ability to project your experience modifier four to six months in advance, enabling you to project insurance costs and be prepared for what is to come. In addition, we verify that the PCRB (Pennsylvania Compensation Rating Bureau) and/or the NCCI (National Council on Compensation Insurance) did not make a mistake in calculating your experience mod. If a mistake is found, we petition the carrier and the PCRB or NCCI for premium to be returned to you.

Online Tools

Henderson Brothers prides itself on investing resources into online tools that make our clients’ lives easier each and every day. No matter what insurance programs you have with us, we have a product that is right for you. To learn more about the online tools we offer, please visit our Online Tools section of the site.

Compliance Check

This service is designed to assist our clients in staying abreast of federal and state regulatory changes and updates, as well as to provide a review of current compliance with those regulations and to provide suggestions on how to improve your policies and procedures. Each of the areas listed below has a specific Review Questionnaire that was drafted by a group of legal professionals providing their opinions about the areas in which many employers err and how to improve them.

In addition to the review questionnaires, we also provide a “Compliance Hotline” where you can call a member of our Consultative Services Team to discuss Employment Practice questions, and review the compliance and regulatory issues that need to be considered.

It is important to note that offering this Compliance Assistance, Henderson Brothers does not provide legal advice, however we can supply you with the information contained in the regulations to help you make a more informed business decision. See below for a list of the Compliance Check reviews that Henderson Brothers offers.

• American’s with Disabilities Act (ADA)
• Business Income
• Building Ordinance/Replacement Costs/Coinsurance
• Consolidated Omnibus Budget Reconciliation Act (COBRA)
• Equal Employment Opportunity Commission (EEOC)
• Employee Manual
• Fair Labor Standards Act (FLSA)
• The Family and Medical Leave Act of 1993 (FMLA)
• Health Information Portability and Accountability Act (HIPAA) – Portability
• Health Information Portability and Accountability Act (HIPAA) – Privacy
• Immigration Reform and Control Act (IRCA) – I9 Compliance
• Occupational Safety and Health Administration (OSHA)
• Policy Provisions
• Records Retention
• Retirement Plans/401(k)
• Risk Transfer
• Section 125
• Sexual Harassment
• The Uniformed Services Employment and Reemployment Rights Act (USERRA)

The proprietary systems outlined in this section highlight various risk management strategies we use to lower the overall cost for our clients. Henderson Brothers’ unique, unparalleled 24/7 service approach means you are buying much more than insurance, you are buying time. There is nothing more valuable than time. At Henderson Brothers, our technology enables you to focus on your business and allows us to focus on your insurance and risk management initiatives. At Henderson Brothers, these value-added services are considered “business as usual.”

Littler Mendelson, P.C.

In addition to the legal resources we make available to our clients, Henderson Brothers has also formed a partnership with the prestigious law firm, Littler Mendelson, P.C.   Employing more than 800 attorneys in 52 locations, Littler Mendelson is the largest law firm in the country exclusively dedicated to employment, benefits, and labor law matters. Our close partnership with Littler enables us to provide our clients with timely updates on the latest federal and state employment law trends.  When a client's inquiry demands attention from the very best legal talent, our staff will seek advice from a Littler Mendelson specialist immediately.   This special Littler Q &A forum, along with Littler's unique federal and state regulation updates, affords us the opportunity to develop customized compliance solutions for our clients that are unmatched in the industry.