At Xanthos Systems LLC, we have found that both insurers and insureds believe in safety.  Both believe that a dedication to safety reduces losses.  However, in today’s environment, delivery of outstanding safety tools and services to the insured . . . can be very expensive and time consuming.

It has become too cost prohibitive to provide these resources to the small to medium employer and yet these companies represent a very high level of risk to the carrier.  As a result, safety has been left up to the employers who have the least capability of implementing a safety program.  In some cases, the insured safety programs end up being seriously inadequate.  In most cases, the small to medium employer never gets a safety program in place at all.

Xanthos Systems LLC has developed a solution designed to solve this problem: Introducing the Workplace Risk Management Platform®.  Workplace Risk Management Platform® is a web-based, interactive tool used between the Insurer and the Insured to significantly improve the safety environment, reduce losses and better manage risk.

The Workplace Risk Management Platform® is easy for the employer to use.  Pulling from an extensive national, state and local worker’s comp data base, potential risks and injuries are assigned to the specific industry, occupations and hazards associated with the Insured’s business.  Within a few minutes, each of the Insured employees has a customized safety program specific to the risks associated with performing their jobs.

Until the introduction of the Workplace Risk Management Platform®, the carrier has had no “real-time” insight into the safety programs and risk mitigation efforts within their insured’s environments.  It only becomes evident after the injury and loss have occurred.  With our solution, you can access information, in real-time, down to the employee level.  The Workplace Risk Management Platform® provides the following benefits to:

Insurer, Broker, PEO, Self-insured Provider:

• Provide your insureds with an easy, interactive, web-based solution for improving workplace safety and managing loss control.
• Obtain real-time safety and underwriting information in regard to your insured's use of the Platform® and other loss prevention tools down to the employee level.
• Create insured accountability.
• Instantly keep your insureds up-to-date on new or changed safety requirements, potential hazards and other critical safety information through a central portal.
• Provide a comprehensive library of online safety training courses using your own courses or those provided as part of the Platform®.
• Improve margins through lower costs.
• Improve customer service and customer retention.
• Set yourself apart from the competition.

Employer:

• A Platform® that cuts through all the confusing and contradictory OSHA and insurance compliance rules and regulations and provides a straight-forward safety approach.
• Opens and expands lines of communication between carrier, insured and employee.
• Creates a centralized safety filing cabinet for insureds thereby helping to minimize legal and regulatory risk.
• Creates a positive and progressive safety environment in the workplace.
• Reduces lost productivity from workplace injuries.
• Helps in employee retention.
• Offers an opportunity for insureds to reduce their workers' compensation rates by safety compliance credits or rebates from the insurers and/or premium reduction based on fewer claims and better safety performance.

Employee:

• A Platform® that fosters a safer working environment.
• Better communication with management.
• Centralized and complete records of the employee's safety efforts.
• A system that creates portability of individual safety training and records.

“One of the most difficult things for the insurance carrier to achieve is an accountability program of the insured’s safety and health programs.  In the past, we have only used assumptions to monitor their effectiveness.  And, worse, only after an injury has occurred have we been enlightened of the lack of a viable safety program within our insured’s organizations.  WRMP allows the carrier to take a proactive approach to monitor our insured’s safety environments.  It is the only solution I have found that clearly solves this problem.”

                              - Chuck Mitchell, EVP of Risk Management, C.E. Heath

""In my 32 years in the insurance industry I have never come across a product like the one designed by Xanthos Systems. Their product will allow insurance companies and brokers to deliver loss control and risk management services to even the smallest policyholders and at a cost that is affordable to everyone. We think that providing the Xanthos product to our clients will give us a significant competitive advantage in our market place."

- Dan Murphy, President/CEO
Commodore Insurance Services

Xanthos Systems LLC, 2893 Sunrise Blvd, Suite 206, Rancho Cordova, CA 95670

(916) 631-0942 / (916) 631-0944 fax/ info@xanthossystems.com