Flagship Unified Protection Platform
Total Risk Shield: Comp & Wellness In One Unified Ecosystem.
Traditional brokers treat Workers' Comp and employee health as two isolated silos. Total Risk Shield integrates policy coverage, SafeOps claims defense, jobsite safety culture, and preventive healthcare into one coordinated defense.
The Root Cause of Runaway Claims
The Commercial Wedge: Why 45% of Your Score Is Wellness.
When a worker strains a back on the job, the medical cost isn't just determined by the lifting accident. If that worker has unmanaged diabetes, chronic hypertension, or severe obesity, a standard 2-week soft-tissue recovery metastasizes into an 8-month lost-time indemnity nightmare.
Insurance carriers pass these comorbidity costs directly to the employer through inflated claim reserves and skyrocketing Experience Modification Rates (EMR).
The Alloy Wellness-Weighted Ratio
35%
Claims & Comp
20%
Safety Culture
45%
Wellness & Prevention
What's Included in Total Risk Shield
- Full Workers' Comp Policy Optimization: Tier 1 Ohio BWC group ratings, payroll audit reconciliation, and annual true-up defense.
- SafeOps Claims Advocacy: Immediate 24/7 accident triage, return-to-work program implementation, and aggressive reserve audits.
- Certified Safety Operations: Written workplace manuals, bilingual toolbox talks, and automated digital OSHA 300 logs.
- Oaceus Preventative Care: On-site biometric screenings, nurse advice line, and full ACA employer mandate compliance audit.
- Dedicated Account Director (Jena): Direct 1-on-1 executive guidance, monthly risk dashboards, and annual BWC strategy review.
Available for groups 50+ employeesTalk to Jena Today →