E3 HR

Employers must maintain a safe and secure work environment to improve employee satisfaction and minimize exposure to workers’ compensation losses. But developing safety programs that align with the federal and state regulations can be daunting.

E3 HR, Inc., a trusted PEO and HR services provider, is well-acquainted with the intricacies of the workers’ compensation space. Its comprehensive program was designed from the ground up to manage workplace risks. It encompasses workers’ compensation insurance, claims management, and loss control strategies that enable businesses to maintain compliance with relevant regulations while fostering a safe working environment.

“Our mission is to provide comprehensive coverage to empower those who keep our industries thriving,” says Charles Spinelli, president of E3 HR.

Extensive experience in the workers’ compensation space has helped E3 HR establish a strong foothold in 47 states across the U.S.

Keeping Clients Informed and Educated

E3 does not limit itself to administering loss control. It adjudicates claims and is actively involved in managing medical and indemnity claims. It also provides a return-to-work program designed to reduce exposure over the life of the claim.

Our Mission is to Provide Comprehensive Coverage to Empower those who Keep our Industries Thriving

E3 works closely with clients’ safety managers to provide education and awareness. The collaboration plays a vital role in identifying potential exposures and hazards.

The risk management professionals at E3 HR conduct on-site inspections, develop safety programs, and keep clients informed about ever-evolving regulations. By educating clients, it empowers them to adopt a proactive approach to safety.

The company understands that workers’ compensation goes beyond mere statistics. Every client’s situation is distinct, and there might be a narrative behind their history of losses. For example, one of its clients faced the closure of an operational site due to unsuccessful loss control. Their loss ratio seemed disproportionately high on record, but in actuality, it has significantly improved in recent years.

“The bottom line is that your cost, now and for the future, will be directly related to your company’s loss history. We understand this fact and assist you in reducing your exposure,” says Spinelli.

Helping Employees through and Post-Injury

Unlike most players in this space, E3’s priority lies in effective risk mitigation and claims management.

According to the National Safety Council, a worker is injured at the jobsite every seven seconds. These injuries not only jeopardize the physical well-being of employees but also have far-reaching implications for businesses, leading to substantial costs and damaging a company’s reputation. It is imperative for employers to address this issue head-on through robust safety protocols and injury management strategies to create a secure and thriving work environment.

E3 HR has an advanced system that provides immediate coverage through a triage program, connecting injured workers instantaneously with doctors and nurses.

Typically, in case of an incident, the manager advises the employee to visit urgent care or call an ambulance. In contrast to this, E3 HR’s program allows the injured employee to pick up the phone and report their injury to a certified medical professional.

The professional then assesses the injury through a video call and advises on the next steps. The triage program significantly reduces claim exposure—up to 38 percent—while ensuring employees receive prompt medical attention.

Having immediate contact with a medical professional doesn’t necessarily imply that an injured employee won’t visit a hospital. However, it signifies that medical professionals have confirmed the need for immediate medical attention. Alternatively, they may suggest other remedial steps.

Another key aspect of E3 HR’s solution portfolio is the Return to Work program. It has been designed with an aim to reduce the claim’s overall cost by bringing employees back to work, even if it’s in a different role.

For example, if a warehouse worker faces a workplace injury and struggles to perform their task, E3 might suggest them clerical work. This minimizes the financial impact on clients by reducing indemnity exposure while keeping employees engaged.

When employees are given the opportunity to contribute, they experience a higher sense of fulfillment and belonging, which ultimately leads to positive outcomes for all parties involved.

Promoting a Healthy Workplace Where Everyone Thrives

E3 HR’s risk management department comprises three divisions— underwriting, claims, and loss control.

The loss control division is led by OSHA-certified personnel with 22 years of industry experience. Similarly, the claims division has professionals with a combined experience of more than 19 years, including a third-party administrator who helps with claims adjudication nationwide.

The underwriting division houses people who are adept at carefully assessing the risk presented to E3 and ensuring that it aligns with the guidelines provided by its insurance carriers. Tim Dinneen, VP of Risk Management, oversees this division. His extensive experience in workers’ compensation insurance has been instrumental in ensuring successful results for clients.

E3 HR’s education process is particularly noteworthy. The safety group possesses the required OSHA certification to train clients and help them obtain certifications. This enables customers to stay informed about how to identify and mitigate hazards within their specific work environment.

Guaranteeing Comprehensive Support

The biggest differentiator of E3 HR is the ability to support clients in any situation. Its services have particularly been instrumental in the growth of workers’ compensation industry during the pandemic.

During this period, businesses experienced a substantial reduction in their workforce due to employee attrition and the shift toward remote work. They had to alter their service delivery methods to accommodate these changes.

However, the shortage of qualified candidates drove organizations to settle for candidates without desired qualifications. This situation aggravated the risk of hazards in the workplace.

E3 HR’s services prompted the reevaluation of risk management strategies and safety measures to lessen the burden on businesses.

Having successful track records like this, E3 will continue to up its ante in the workers’ compensation space and maintain its leadership position in the market.