There are numerous factors that can contribute to higher workers’ compensation expenses for an organization. Specifically, one emerging cost driver is the concern of comorbidities.
We have used a simple definition for Alternative Risk Transfer (ART), referring to any method used by an entity to shift the cost of a risk to another entity, but without the use of traditional (standard, commercially available) insurance. However, even this simple, broadly applicable term ignores an important aspect of ART. When an entity […]