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Wholesale Broker of Specialty Workers’ Compensation Insurance Programs

MuniCompWorkers' Compensation

Fast, Competitive Insurance Products

Providing a variety of insurance products is what we do best.

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MuniComp

Specialty workers’ compensation products for municipalities, boroughs, towns, and cities, including volunteer fire companies.

Workers’ Compensation

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business.

Insurance Solutions

We’ll thoroughly assess your business and situation to develop comprehensive, cost-effective solutions that fit your needs.

P. E. Brokerage

70+ years of pioneering in the brokerage industry.

As a wholesale broker of specialty workers’ compensation programs, P.E. Brokerage is your top choice for insurance coverage that fits your specific needs. Our goal is to provide fast, competitive products to our brokers with markets that maintain expertise in specific areas. We have been in the brokerage business for over 70 years, providing both primary and alternative market solutions.

Specializing in the placement of workers’ compensation insurance for many years, P.E. Brokerage has a distinct advantage due to our strong knowledge of the marketplace. Our team has in-depth experience in underwriting, claims management, and loss prevention services. Whether your client is a small manufacturing account or a municipal risk, our brokerage firm is here to help you meet your customers’ needs.

About Our Brokerage
What Makes Us Special
Focused Area of Expertise

Workers’ compensation solutions across multiple industries have been our primary focus to help protect businesses and public entities.

Fast, Competitive Solutions

As a wholesale broker, we focus on saving time and money while providing the best policies for specific needs.

7 Decades of Insight

For 70+ years, we have been in the brokerage business providing both primary and alternative market solutions.

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Specialty Solutions

We provide specialty insurance solutions throughout the Northeastern United States and nationwide for a variety of markets, backed by expertise and industry insight.

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School Districts
Auto Dealers
Manufacturers
Wholesalers
Nursing Homes
Healthcare
Printers
Supermarkets

Access to Exclusive Policy Options

Our partnerships with A-rated insurance companies allows us to work for you by simplifying the insurance process, saving you time and money, and finding the best policy.

A-Rated Insurance Partners

The P.E. Brokerage Advantage

What makes our insurance brokerage different?

In-House Underwriting

Marketplace Leverage

Multiple A-Rated Carriers

Strong Risk Management

Fast Quote Turnaround

Multi-State Exposures

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Insurance Brokerage Products

We are dedicated to providing the best solutions possible by understanding the risks involved and developing unique coverage options to match.

Guaranteed Cost Programs
Large Deductible Programs
Retrospective Rating Programs
Self-Insurance Programs
Captive Insurance Programs
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Work Safety
Pre-Hire Physical
Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.

Solution

Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting
Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.

Solution

Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Communication
Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.

Solution

You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program
Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.

Solution

As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR
Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.

Solution

Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication
Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.

Solution

Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training
Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.

Solution

Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections
Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?

Solution

OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

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Serving the Northeast and Beyond

Providing insurance brokerage services and solutions throughout the Northeastern United States and nationwide.

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Montgomeryville, PA

105 Montgomery Avenue
Montgomeryville, PA 18936

Providing insurance brokerage services and solutions throughout the Northeastern United States and nationwide.

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