PERSONAL, PROMPT, PROACTIVE
Working with employers we help injured employees return to
work as quickly and safely as possible. We pursue all means of loss recovery, while
managing rehabilitation services, litigation and aggressively fighting fraud. Our thorough
and timely investigation of workers’ compensation claims results in:
| “RAS handles our workers’ comp claims in a quick,
professional manner, involving us every step of they way. They are, without exception, the
best insurance group we have ever encountered.” – Michelle Schipper, President,
K&J Trucking, Inc. |
|
• Delivery of appropriate medical care
• Direction of cost containment services
• Intervention on return-to-work issues
• Increased success in defending claims
• Reduction in needless litigation |
We explain the potential outcomes and financial implications of
decisions before situations arise, so you are well-prepared to make the right choices at
the right time. We are fair to both injured employees and the companies they work for.
EXPERIENCE YOU CAN TRUST
When you work with DTU, you’re working with an
experienced staff that communicates one-on-one. We are expert in evaluating and managing
the outcome of claims. The combination of our experience and knowledge of the
workers’ compensation system enables us to provide solutions that limit your costs
and allows us to successfully defend and negotiate claims.
WORKERS’ COMPENSATION THAT SAVES
As a regional leader in workers' compensation, DTU delivers more than a policy. DTU's
focus on the sound business principles of underwriting and cost containment has been its
formula for success. The result: a superior workers' compensation program that can reduce
costs and lost productivity while providing the added benefit of company ownership through
profit sharing.
COMPREHENSIVE SERVICES, WORKING TOGETHER
DTU manages the full spectrum of compensable loss, achieving a balance between minimizing
costs and settling claims fairly. The successful implementation of this balance can
mitigate future losses, resulting in the best possible outcome for the insured customer.
Drawing from a complete portfolio of cost containment services,
DTU can manage every aspect of a complex workers’ compensation claim—from
pre-loss engineering to early intervention, appropriate direction of medical care and
facilitation of productive recovery options.
REALIZING THE BENEFITS OF RECIPROCAL INSURANCE
The characteristics and advantages of reciprocal insurance include:
POLICYHOLDERS ARE THE OWNERS.
DTU becomes your company. As the company grows, so does your ownership in it.
SURPLUS SAVINGS ACCOUNTS.
The money you invest doesn’t just pay the cost of coverage. Initial surplus
contributions and savings from profits accumulate in an individual interest-bearing SSA
(Surplus Savings Account) – money that helps grow the company and improve products
and services.
YOUR INVESTMENT GROWS AS WE DO. Your SSA fund is held in your name. Profit sharing is credited to your
SSA balance based on numerous factors including: overall performance of the reciprocal,
your premium size, loss experience and tenure. In addition, income earned on DTU’s
investments is passed on to subscribers based on the size of their SSAs and tenure with
DTU.
As the SSAs grow they can become a source of cash
distributions, lowering your cost of insurance. Earnings may also be reinvested in the
reciprocal in order to further benefit from the company’s performance.
 FINANCIAL
STRENGTH. Building on years of sound management, DTU is
earning financial strength ratings of very good by AM Best, which is recognized worldwide
for setting the benchmark in assessing insurers’ financial strength. Our Combined
Ratio – a leading indicator of profitability – consistently outperforms industry
averages, reflecting financial and management success.
| BENEFIT FROM MEMBERSHIP |
| “RAS enables us to provide local, responsive
workers’ compensation solutions to our clients. They represent the best and brightest
in their industry, providing the service our clients respect and appreciate.” – J.J. Scherschligt, President,
Howalt-McDowell Insurance, Inc. |
|
As an owner, you earn the
profits that a stockholder in a tradition insurance company would. These shared profits,
along with net worth, result in a lower net cost of insurance over time. Your insurance
dollar paid to DTU, compared to a similarly priced competitor, goes further. Partnered
with Dakota Truck Underwriters, your company can realize reduced costs, greater
productivity and the resulting financial rewards. Contact DTU today, and let a leader in
workers’ compensation work for you. |
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