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

  • Elk Air
    David, I just can't thank you enough to finding and returning to us the $27,438 in overcharges from our last two years of audits.  I only wish we had been allowed to go back to the prior years to recover money.  More importantly, you provided us with a process so that we can avoid being overcharged in the future by the insurance companies.
    Ralph Kemp - President
    Elk Air Conditioning
  • CHarper
    I just cannot thank you enough for helping us to take control of our work comp.  In addition to making my life easier by helping to manage our claims, your team helped us create a very strong safety culture.  Our injuries are down significantly, but more importantly, you helped reduce our work comp premium by over $80,000 a year.
    Lori Bodnar – HR Director
    C Harper Automotive Group
  • Odyssey Communications

    David, you and your East Coast Risk Management team blew us away. First, your team recovered over $42,000 in overcharges that my agent allowed to happen. Second, over the next 7 months you overhauled our safety programs and hiring process. Your injury management team minimized a potentially uncontrollable and ugly claim which would have cost us tens of thousands of dollars in additional premium and rehiring costs. Third, your negotiations with our insurance company resulted in an additional $49,387 (44%) reduction in my workers compensation renewal premium. We figure you have added over $100,000 to our bottom line in just 1 year. Thanks!!!!

    Alex Yawny - CEO
    Odyssey Communications
  • Siegel & Jennings
    Throughout David’s career he has always been on the forefront of thinking. His understanding of insurance and specifically workers' compensation allow him to see things and establish practices that others eventually follow. David takes an entrepreneurial approach to problem solving resulting in both savings and added protection for his customers.
    J. Kieran Jennings, Esq. - Managing Partner
    Siegel Jennings
  • Kasto
    I first became acquainted with David’s knowledge of Workers’ Compensation when I attended a seminar in 2007. I took the opportunity to meet with David to discuss better ways we could handle not only our Work Comp claims, but how we needed to drastically overhaul our HR processes. The Benefits have been multitude. I have great confidence in ultimately can make a company more profitable.
    Colleen Maize - HR Director
    Kasto, Inc.
  • Gottlieb
    9 months ago I hired Duncan and their East Coast Risk Management to implement their Risk Solutions Program. As a result, I just saved $57,494 on my insurance renewal - That's 42%. Duncan met with me and my employees, toured my facility and put together an aggressive Risk Solutions Business Plan. They started implementing immediately and are in our plant several times each and every month.
    Robert Gottlieb - CEO
    Gottlieb, Inc
  • Jet Net
    David Leng is very knowledgeable about Workers’ Compensation and a pleasure to work with. His knowledge allowed our company to reduce its Workers’ Compensation premiums by almost 55%.
    Mike Spitznagel - CFO
    JetNet Corporation
  • Bowser Automotive
    Working with Duncan we were able to enhance the safety culture in our organization and reduced our Workers’ Compensation costs by over $300,000 a year.
    Gary Bowser, II, President
    Bowser Automotive Group
  • Duda Cable
    Duncan found that my experience modifier was WRONG!!!!  Not one of over a dozen plus agents that I spoke to previously saw that!  They were able to get my experience modifier corrected, and force my insurance companies to return over $86,000 to me! They leveraged what safety changes they implemented and obtain an insurance policy at our renewal that was over $100,000 lower. In a span of 4 months, they put almost $200,000 back in my pocket!
    Mark Duda - President
    Duda Cable Construction

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.

(724) 978-2139
dleng@duncangrp.com