Insurance Professionals
Insurance Professionals
Building trusted partnerships that make a difference.
When it comes to longshore coverage, you and your clients need a partner you can trust. With a forward-thinking and customer-centric approach to underwriting, loss control, and claims, we provide tools and support that help employers keep employees safe and give them more control of their long-term success.
Claims
We handle claims quickly and efficiently — all while ensuring optimal care for the injured worker.
Claims are managed in-house so our focus remains on achieving the best possible outcome for our members. Our medical management team works with you and your client to drive down critical claims costs while ensuring a higher quality of care for employees through a holistic approach to claims handling.
A slow, complicated claims process can significantly impact the outcome of a claim. Our claims specialists handle no more than 75 cases at a time — less than half of the industry standard — so that they can fully focus on taking care of your client. They maintain regular communication with employers, injured employees, and medical providers to resolve claims quickly and effectively.
You and your client will have access to real-time claims information through an online claims management system. Secure and confidential, this system allows you to view claims details, identify incident trends, and implement control measures.
Enjoy having one point of contact for all jurisdictional issues. Whether a policy is covered under USL&H, State Act, or MEL, you can be confident that you’ll have one dedicated AEU claims specialist handling all jurisdictional issues and negotiations.
Loss Control
We partner with and educate your client, empowering them to control losses and keep workers safe.
When they join ALMA, your clients have the opportunity to benefit from individualized loss control inspections, safety program reviews, incident prevention training, mock OSHA inspections, analysis of incident trends, and web-based safety resources — just to name a few. Our loss control managers have extensive experience and use their first-hand knowledge to help members make smart safety decisions.
Our proprietary AEU Safety Benchmark serves as a performance metric comparing the member to industry peer groups, the ALMA membership, and their own history. With information on how their Safety Benchmark was determined, members are empowered to improve by creating a safer workplace.
You and your clients will also have access to valuable safety resources available on our members-only website. These tools are intended to help build stronger safety programs for organizations of all sizes.
In addition, both you and your clients will have the opportunity to attend national and regional AEU events which address safety culture development, claims handling, employee relations, leadership, and more. Producers who attend our virtual continuing education courses on USL&H and MEL can earn up to eight hours of CE credit.
Underwriting
We tailor programs to your client's needs, ensuring they are awarded rates that reflect their individual performance.
Our underwriters will engage in honest and open dialogue with you and your client about how their unique exposures, claims, and safety culture factor into the rating of their account. By clearly showing how we determined their rate, your client has more power to improve performance and potentially reduce costs.
For employers who will have larger premium contributions, we offer a unique product that calculates the contribution on the employer's actual loss performance for the year. Since this results in a rate calculation based on individual performance, your client has real opportunities to control their bottom line.
Let's get started.
If you're an insurance professional looking for a true partner in USL&H, let's talk. We strive to make the process as easy as possible for the employer and insurance broker.
