Whether you are the CEO, CFO, Human Resources Manager, Risk Manager, or the Operations Manager, you've got to be bottom-line driven in today's environment. Your perspective and your focus are different, depending on your position. However, the goal is the same. You must contribute to the ultimate success of the company.

Protection from the liability exposure relating to on-the-job injuries is a primary concern for businesses. The most publicized insurance coverage is Worker’s Compensation.

Worker’s Compensation may be the appropriate choice for companies with little, if any, history of job-related injuries. However, the escalating cost of coverage is causing many CEOs and CFOs to consider dropping the program.

Nitty-Gritty Solutions offers two answers to this dilemma:

1. Cost-effective measures to dramatically reduce Worker’s Compensation expenditures.

2. Evaluating your company’s needs to determine whether it is a viable candidate for Nonsubscription, a choice that is available in Texas.

 
Nitty-Gritty Solutions and Nonsubscription, the smart choice

Nitty-Gritty Solutions offers a complete nonsubscription program, the successful alternative to Worker's Compensation in Texas. As a nonsubscriber, both the employer and employees share responsibility for on-the-job safety, responsive treatment to workplace injuries, and a timely return-to-work schedule. All of this comes with a reduced cost to the employer. Nonsubscription is a win-win strategy for everybody!

 
Who Can Benefit From Implementing a Nonsubscriber Program?

Our founder, Keith Kakacek, was instrumental in designing and implementing the original nonsubscriber programs, and blazed the trail for

nonsubscription to be a Texas-approved alternative to Workers Compensation programs. While nonsubscription provides a cost-effective alternative for most companies, the biggest beneficiaries of this program are businesses with a high rate of on-the-job injuries. Nitty-Gritty Solutions has written and administered hundreds of nonsubscriber programs for both small and large customers, who have seen a reduction in claims cost and claims administration.

What are the Elements of a Successful Nonsubscriber Program?

We offer a complete program designed to help companies with medical cost containment and occupational injuries. Our nonsubscriber program includes:

• Comprehensive evaluation of your company's current workplace injury benefit costs, indicating specific ways to save money
• Development of an injury benefit program to fit your company's unique needs
• Creation of safety programs appropriate to your company
• Establish and implement training and communications programs
• Place insurance protection with the best carrier
• Fulfill all claims administration responsibilities and file all reports (or work with your in-house staff to handle this function)
• Regularly report to senior management comparing the actual results of the nonsubscriber program with the program goals

 
The Nitty-Gritty Solution Works for You

Nitty-Gritty Solutions works as an extension of your staff to proactively address the growing complexity of human resource and risk management issues. Our team includes commercial insurance specialists, HR professionals, certified public accountants, attorneys, psychologists, claims service providers, and payroll specialists.

With 20 - 25 years' experience, each member has been through the learning curve and remains current on new developments in a variety of businesses and industries. We readily relate to the multi-faceted HR and risk management arena in environments that include 25 to 50,000 employees. We respond quickly to achieve bottom-line results with the right mix of programs and services.

If your everyday challenges are of a nitty-gritty nature, we have productive solutions for you.

Click here for a list of Nitty-Gritty Solutions' products and services.