State Auto's approach to workers' compensation disrupts the typical pattern of delayed recovery that, for many workers, leads to more pain, more addiction and more time away from work.
For small businesses and middle market accounts, State Auto provides workers' compensation coverage along with your business owner's policy or commercial insurance package. We're also a solution for employers with a debit experience modification factor driven by a high number of lost time days due to soft tissue related injuries.
Our unique claims advantage
We're an industry leader in predicting which workers’ compensation claims are at risk for delayed recovery and higher cost of claims. Our specialized claims model is focused on returning injured workers to health and productivity.
Proprietary ID15® process: We identify claims that are high-risk for delayed recovery based on key factors including behavioral and psychosocial issues.
Workability, not disability: Injured workers off-duty 12 weeks have only a 50% likelihood of returning to work. Our nurses help injured workers recover some ability to work within the first 12 days on average, so they can begin to return to a healthy routine.
Return-to-work focus: Our nurses guide each worker through a treatment plan with a purpose. We focus on capability, not disability. And we're intently focused on getting people back to their normal lives as soon as possible.