If you write commercial workers' comp, return to work comes up constantly: in prospect meetings, at renewal when you review loss runs, and whenever a client calls about an injured employee who has been released with restrictions. Most agents learned the topic informally, from carriers, claim staff and experience. A structured return-to-work certification can fill in the parts that informal learning tends to miss, especially the HR and leave-law side that sits next to the workers' comp ...
Most workers' comp conversations between an agent and a business owner run on two topics: price and classification. Both matter, and both are where every competing producer also starts. A workers comp insurance agent who can also talk credibly about what happens after an employee gets hurt (who reports the injury, who offers modified duty, who talks to the adjuster, how the restrictions are handled) is having a different conversation, and usually a longer one.
This ...
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