Risk Mitigation
Protect Your Business
Optimum helps you reduce workers’ compensation and employment risks through compliance, claims prevention, and aligned incentives.
Workers’ Compensation Insurance
Workers’ comp is mandatory in most states—but you don’t have to settle for costly, outdated providers. Optimum offers a smarter alternative: no large down payments, no annual audits, and no sluggish claims process. Our approach is easier to manage and designed to protect your business & employees.
The result? Reduced risks, increased productivity, and compliance-creating a safer, more secure work environment for your team.
68%
of small businesses have had at least one workers' compensation claim in the past five years.
Pay as You Go
Traditional workers’ comp requires a big upfront payment—Optimum doesn’t. With us, you pay premiums as you go, based on actual payroll (not estimates). That means no surprise bills or under payment penalties at the end of the year.
How It Works:
- Pay premiums with every payroll
- No down payments
- No end-of-year surprises
Expert Support When You Need It
If an employee gets injured, just call us. Our team will handle the next steps, from incident reporting to claims management. We work with the injured employee and medical professionals to ensure a quick recovery and return to work—all while keeping you informed.
We help you:
- Manage relations with injured employees
- Resolve claims efficiently
- Implement return-to-work programs to reduce claim length
Employment Practices Liability Insurance
Employment-related claims—like discrimination, harassment, retaliation, and wrongful termination—are a risk for every business. Even if a claim is baseless, it can still be costly. That’s why Optimum HR offers EPLI coverage and expert guidance to help prevent and manage these claims.
37%
of small to mid-sized businesses were hit with an employee lawsuit in 2023.
The Best Claims Management is Claims Prevention
Our HR team provides personalized guidance and best practices to reduce the risk of employment claims. We provide:
We Provide:
- Personalized guidance on performance, discipline, and termination best practices
- Proactive reviews of potential HR issues
- Summaries and recommendations for handling HR challenges
Expert Document Library
Our platform gives you easy access to up-to-date HR resources, including:
- Web-based training modules & state-specific HR forms
- Employment policies, handbooks, and supplements
- Legal updates and employment law resources
Loss Mitigation
Even unfounded claims take time and resources away from your business. Optimum HR helps protect you with EPLI coverage and expert claims management. If a claim happens, we manage the process for you minimizing disruption and liability.
How we help:
- Coordinate coverage and appoint outside counsel when needed
- Oversee case progress, discovery, settlement, and payments
- Manage & mitigate overall claim costs
