We are autonomous representatives assisting you in locating improved insurance protection.
We collaborate with companies that strive to be the top-notch.
We assist in the management, alleviation, and decrease of your risk expenses.
With LIRA365®, we provide a successful approach.
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About Lakeside Insurance
Lakeside Insurance, based in Arvada, CO, is a Trusted Choice independent insurance agency that represents numerous reputable insurance companies and holds licenses in more than 40 states. In addition to offering high net worth, home, and auto insurance, we are capable of addressing your personal insurance requirements to safeguard your distinctive way of life. We collaborate with clients in various industries who possess a top-notch attitude and possess expertise in providing commercial insurance solutions for enterprises of all sizes.
Discover more about our
Get in touch with us today to connect and learn more. Whether it’s personal insurance or business insurance, our team is here to help you protect everything you’ve worked for. Through our unique proprietary process, LIRA365®, we provide a step-by-step approach that streamlines and simplifies your risks, delivering a personal experience and helping you mitigate and manage risk. As an independent insurance agency, we are dedicated to delivering a consultative approach and leveraging our expertise to help you.
Why Choose Independence?
What is our confidential recipe?
We will show you how we differentiate ourselves from all other insurance agencies. LIRA365® is our unique proprietary process through which we improve your overall risk exposure while reducing the overall cost of risk.
How does it operate?
In order to reduce potential future hazards, we consistently keep tabs on your account all year long. By managing, shifting, or keeping different risks, we create a customized plan and assess your current circumstances, gaining knowledge about your business using a five-step procedure.
What sets us apart?
We are responsible for empowering you to make a solid choice for your company. We are your insurance resource and an experienced insurance agent and outsourced agent who utilizes our proven results-driven approach, LIRA365®, to add value to your executive team.
Address the distinct requirements of your enterprise.
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Pre-Hire Physical.
Risk Factor……..
Are you considering hiring your next workers’ compensation claim in an effort to quickly fill a position that may cost you thousands of dollars, taking shortcuts that you could?
Solution……..
Hired and maintain the safety of other employees. This ensures that only individuals who are capable of performing the job are selected to work for the medical provider, considering the physical demands of the position. To finalize the pre-hire physical, a copy of the desired job description might be necessary. Prospective employees ought to be considered.
Education and Injury Documentation.
Risk Factor……..
Due to being tied to an incentive program, employees might be hesitant to report a claim as they fear losing their job or affecting a daily tally of injury-free days, and often lack comprehension of the workers’ compensation procedure.
Solution……..
When an employee gets injured during the hiring process, it is important to consider how workers’ compensation coverage protects them. Employees should understand that it is their responsibility to immediately report any injuries and seek medical attention according to the company’s guidelines. Your employees should also understand the process and sign an agreement stating their understanding of the policy and their commitment to returning to work. It is important to educate employees about workers’ compensation.
Communication.
Risk Factor……..
Your employee may become injured and you might be tempted to depend on another person to communicate with them. As a consequence, your employee may feel perplexed by the workers’ compensation procedure and uncertain about where to seek assistance.
Solution……..
During the duration of the injury, it is important to ensure that your staff is adequately trained to communicate efficiently with their immediate superiors, as they play a crucial part in this procedure. By assisting them in their recovery, you demonstrate your involvement and concern for their well-being. Furthermore, your insurance broker can offer valuable advice and support throughout the entire process. It is imperative that your employees maintain regular and ongoing communication with both you and your supervisors.
Back to Work Program.
Risk Factor……..
If your employees become injured, they may need time to recover. As an employer, you may be tempted to solely rely on the employee’s medical provider and/or workers’ compensation insurance company to communicate throughout the process. However, if you do, the process can unnecessarily become prolonged.
Solution……..
Please inform your medical provider and insurance company about your employment status and let your employer know about your medical provider and insurance company. Please request the job description from your medical provider to refer to the employee who was injured. As soon as the employee is medically cleared, ask them to report to work and offer them a light-duty position. If necessary, the employee can continue to receive treatment while they recover.
Auditing Payrolls and Electronic
Risk Factor……..
Your company’s Experience Modification Rate (EMR) is statistically higher, indicating a greater chance of incorrect audits of payroll, inadequate coverage compensation for workers, increased risk of future injuries, and a higher cost to insurance companies in gauging past incidents.
Solution……..
Your insurance agent should collaborate with the claims adjustor of your insurance company to expedite the closure of any claims in a timely manner. The progress of the claim will be conveyed to you through a quarterly report compiled by your insurance agent, particularly for larger claims. It is essential for your agent to actively monitor all claims, particularly those that surpass a $10,000 threshold. When the insurance company conducts the annual payroll audit, you can rely on your insurance advisor to support and advocate for you.
Communication between healthcare providers.
Risk Factor……..
Your employee might be capable of returning to work without your knowledge, given certain modifications. Inadequate communication between you and the medical professional responsible for your employee’s health can result in prolonged open claims.
Solution……..
You should be kept aware of the status of your employee so that clear communication lines are in place. Once a claim takes place, an agreement on services can be achieved and the medical provider can provide job descriptions to explain your return to work program. You should ask them to tour your location and facilities and interview them. Meet with the medical provider to foster this relationship and assist you in selecting a provider prior to making a claim. Your insurance broker should help you in fostering this relationship by assisting you in selecting a medical provider prior to making a claim. Get to know the doctors who are helping to heal your employees.
Safety Training.
Risk Factor……..
Efficient training has the potential to prevent numerous work-related accidents. However, despite being trained to excel at their tasks, employees are not adequately trained to prioritize their safety on the job.
Solution……..
Payroll stuffers can be very useful tools. Techniques such as proper lifting can be critical for many job functions. For example, your broker can help you utilize these tools to your advantage and many insurance carriers offer training tools at no additional charge. Your insurance broker should be able to organize monthly training classes.
OSHA Inspections.
Risk Factor……..
Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?
Solution……..
Program Consultation On-site from OSHA offers confidential and free advice on health, occupational, and safety to medium-sized and small businesses. It prioritizes high-hazard worksites across all states in the country. Consultation On-site services are separate from enforcement, so there are no citations or penalties as a result. Consultants from state agencies, universities, or work agencies assist employers in establishing illness and injury prevention programs and provide advice on compliance with OSHA standards to identify workplace hazards.
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Explore Lakeside Exclusive Customer.
Our select team members from the Lakeside Private Client specifically focus on working with high-net-worth individuals. We can help innovate insurance packages with a consultative approach to protect and accommodate your unique lifestyle, using our experience and guidance.
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Our Customers are extremely enthusiastic about our
Take a look at our evaluations and discover why you should change to Lakeside Insurance.
They sincerely try to develop a long-term relationship with you, knowing that you will become a member of Lakeside Family Insurance and personally know them.
Mike M.
“They are always extremely prompt and courteous, but they not only do not work hard to get you the best possible price, they also do not entertain any questions or requests.”
Heather O.
In the forthcoming years, brace yourself for it and anticipate receiving valuable business counsel; however, they offer not just insurance information and suggestions, but also impart exceptional business advice.
Thomas W.
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