Helping Business Leaders Drive Results

The goal is to build an error free, and overcharge free, Insurance and Workers’ Compensation Program that you control, and for you NOT to be controlled by the insurance company.

Premium Reduction Center focuses on slashing Workers’ Compensation costs through our trademarked 20 step process.

  • Dedicated to helping employers crush Workers’ Comp costs through finding and fixing errors and recovering money already spent.

  • Helping employers drive their experience modification factor down to its minimum thus releasing locked up capital.

  • Creating recovery at work programs both employers and employees embrace to prevent disruption of customer service and business output.

  • Making businesses attractive to insurance companies through a trademarked Risk Profile Discovery – Result: insurance companies want your business. That means you don’t have to fight to find the right insurance company for you.

  • Premium Reduction Center is a division of the Duncan Insurance Group

Meet the Team


Certified Risk Manager, Master WorkComp Advisor

John M. Duncan, Jr, CIC, CWCA

President, Insurance Division

Michael G. Lukart, CSP, CWCA

President of East Coast Risk Management, LLC

Mark Beck, CSP, CWCA

Retired COO

Renee L. Mielnicki, Esq.

General Counsel & Vice President, Operations, HR & Claims

Michael Kuiros, CWCA

Director of DOT & Fleet Services

John Schuster, CWCA

Senior Safety Consultant | Business Development

Christy Tokay, CWCA

Angel Ranallo, CWCA

Senior Claims Consultant at East Coast Risk Management, LLC