The Chittenden Difference
At the Chittenden Group we offer the following services:
We analyze your business and can help you identify those areas that expose your business to loss. We then make recommendations as to best handle those exposures. It may be insurance, self-insurance or transfer of risk.
Experience Modification Review – We often find that experience modifications are incorrect. Losses going into the formula may be improperly reserved or in some cases closed for no payment but still shown. This can make a big difference in your modification which can have a great impact on your Workers Compensation costs.
Claims Management – Once a claim is reported, the management of that claim is critical. In the case of a workers compensation claim, proper and expedient management of the claim can be the difference between a minor claim with little lost time and a major claim with extensive lost time. In the event of a liability claim, effective initial claims management can be the difference between quick inexpensive settlement and attorney involvement with a large settlement.
Claims Review – We have our own in-house claims department and we can analyze your claims experience, identifying areas of concern and then address those areas and make recommendations to help prevent future losses and in turn, lower your insurance costs.
Safety Programs – Safety Committees are one of the most effective ways to identify and control areas of potential loss. We can help you structure and run your safety committee and help you to ensure OSHA compliance.
Human Resources Assistance – As an added service to our customers, we provide answers to your everyday human resource questions and problems.
Our philosophy is to earn your business before we ask for it.