Workers compensation is both a legal requirement and a critical component of your employee value proposition. Joseph Marshall Co. helps Illinois and Iowa businesses navigate state-specific requirements, experience modification factors, and alternative funding structures to deliver compliant, cost-effective programs.
A comprehensive workers compensation program goes beyond statutory compliance — it actively manages your total cost of risk through loss control, claims advocacy, and program structure.
Pays medical expenses, lost wages, and rehabilitation costs for employees injured on the job — meeting Illinois and Iowa statutory requirements.
Covers claims by employees who sue outside the workers compensation system — including third-party-over actions and loss of consortium claims.
Your experience modification factor (EMR) directly affects your premium. We help you understand, manage, and improve your EMR through proactive loss control.
Structured return-to-work programs reduce claim duration and cost. We help you design and implement programs that get injured employees back to productive work safely.
Proactive safety programs prevent injuries before they occur. We connect you with loss control resources and help you build a safety culture that reduces your total cost of risk.
For larger employers, captive insurance programs, large deductible plans, and self-insurance arrangements can deliver significant cost savings. We evaluate your eligibility and structure.
Schedule a complimentary workers compensation review. We will assess your experience modification factor, payroll classifications, and loss control opportunities.
Schedule a Review