Discover the Award-Winning Risk Profile Improvement Process™
Slashing Premiums by over $60,000,000 since 2004

Transforming Workplace Safety and Risk Management
Why We Do What We Do...
In 2004, a worker's death at a manufacturing plant had a profound impact on David Leng, the founder of the Premium Reduction Center, the employee's family, and the approach to risk management. The incident highlighted the limitations of workers' compensation insurance and the need for a more comprehensive approach to ensuring employees' safety. Since then, our goal has been to enable employees to return home safely every day, requiring a deeper understanding of clients' operations, employees, and organizational culture.
We help companies develop new ways to identify and manage risks, creating culture-changing programs, and implementing behavior-based safety measures. This approach has resulted in significant reductions in injuries, costs, and insurance premiums for clients, while also improving productivity and profitability.
The Hidden Factors That Drive Workers Comp Costs
(It's Not Just the Quote)
The impact of the internet, data, and analytics is changing the way insurance companies determine your premiums, or how much they will charge you. However, by optimizing your business operations and risk management, you can improve your premiums, profitability, and productivity.
Don't Just Take Our Word for It! Real Businesses, Real Results
Managing Your Risk Made Easy
Key #1
Manage Your Risks, or Your Risks Will Manage You
When it comes Insurance, the first step to stop being frustrated and overcharged, and taking control of your bottom line is to realize that insurance premiums are based on an underwriter's perception of the risk in your business, also know as your Risk Profile. When you control your risks through a Proven Risk Management Approach, you become more attractive to insurance companies, which leads to you dramatically lowering your insurance costs! The ultimate benefit of you becoming more attractive, is that by doing so, you will actually help your company become more efficient and profitable.
Key #2
Your Workers' Compensation is HIGHLY Manageable
The second step is realizing that Workers' Compensation is not insurance. Workers' Compensation is actually a finance tool, designed so you pay for your employee's injuries, back to the insurance company, PLUS interest! Workers’ Comp is simply the mechanism by which you finance your employee injuries. Thanks to your Experience Modifier, for every dollar the insurance company spends, you are likely to pay back $1.50 to $3.00 It’s our job to stop you borrowing money at such high interest rates. We help people who suffer from the symptoms of being frustrated and overcharged by their workers' compensation by Curing WorkCompitis!
Key #3
Don't Bet Your Business on a Flip of a Coin!
The third step is to realize that most businesses that are affected by a catastrophic event either never reopen, or close within 3-5 years. We have seen "experts" state that 70% or 80% will fail from such an event. The clearest statistic comes from the Institute or Business & Home Safety who states that just over 25% will not reopen, and another 25% will go out of business within 3 years - DESPITE BEING INSURED. A flip of a coin! And this statistic does not even contemplate natural disasters such as Hurricane Katrina! When it comes to making sure your insurance protection is there for you when you need it the most, it's simple, DON'T ASSUME... You need to be prepared to survive a disaster..
Get Your Custom Risk Management Plan Today
Simply fill out the form and our team of experts will reach out to you to discuss your personalized risk management strategy.