The Texas Workers’ Compensation Commission – Division of Self-Insurance Regulation issued UniqueHR (aka Bradford Holding Company) a certificate of Authority to certify self insure in March 2005. UniqueHR along with only 17 other private companies in Texas were granted this authority. Texas law allows certain qualified private employers to have the option to self insure their Workers’ Compensation liabilities while retaining the protection of Workers’ Compensation insurance coverage as provided for by the Texas Workers’ Compensation Commission Act.
UniqueHR along with 42 other companies have met the stringent financial as well as Workers’ Compensation risks and claims management requirements necessary to qualify as a Certified Self Insured authority. UniqueHR is the only PEO in Texas who has met this criterion. As such, we are extremely proud to be included in this elite group which is made up of companies such as FedEx, General Motors, Hyatt Corporation, International Paper, Lockheed Martin, and Valero Energy Group. All companies must maintain a 3A1 credit rating by Moody’s, A.M. Best, or Dun and Bradstreet.
Allowing employers to self-insure their Workers’ Compensation exposure through the Texas Workers’ Compensation Commission’s (TWCC’s) Certified Self-Insurance Program was one of the major insurance-related provisions included in the 71st Legislature’s 1989 WC reform package. When the self-insurance law was passed, a great deal of emphasis was placed on workplace safety and the financial strength of employers. The detailed application process for employers, stringent tests of financial strength and liquidity, and substantial security requirements make the Texas Certified Self-Insurance Program one of the most demanding in the country.
UniqueHR provides responsible risk and claims management — a simple solution to an everyday challenge. We deliver a unique style of claims management that is a necessary tool for businesses and industries with very specific needs. Our goal is to educate our clients about risk within their organization with the highest amount of integrity and expertise. UniqueHR has a team of experienced professionals to assist our clients on managing risk effectively.
Self-insured firms have more of an incentive to control claim costs and be more effective at managing claims than insurance carriers.
-Texas Department of Insurance (TDI), Certified Self-Insurance & The Frequency and Severity of Workplace Injuries
“UniqueHR supports our philosophy of returning employees to work promptly by responding quickly to the injured, handling documentation, providing care for rehabilitation, and providing light duty work when necessary. Fraudulent claims are also reduced with their thorough investigation of each event.”
The UniqueHR Workers’ Compensation Claims Management department works with you, your injured employee and medical providers to help the injured employee get back to work as soon as safely possible.
We encourage our clients to find modified duty at their company for injured employees but, if this is not possible, UniqueHR has established and maintains relationships with non-profit organizations where modified duty assignments may be available.
“I believe that being with UniqueHR is like having another insurance policy for my business. I can focus on sales activity and do not have to lie awake at night worrying about all this other stuff. I know that the administration of Workers’ Compensation insurance and claims are handled effectively, as well as all the other duties within their realm. I know that I can run a lean and efficient company without having to hire additional personnel to see about these things. I also have the peace of mind that it is done right! I’ve been with several other PEO’s and know that UniqueHR offers the best service. Everything they do, they do exceptionally well!”
It is the intention of UniqueHR to help provide a safe and drug-free work environment for our clients and employees. As such, we have established the following policy for existing and future employees of UniqueHR.
“Credentials, certifications, and ratings are more critical now, than ever. For example, the petrochemical plants and oilfield industries are demanding low experience ratings from our clients. Should their Workers’ Compensation experience rating (or what is called EMod) go up, they could be asked to leave the jobsite or unable to bid on jobs. Our clients depend on us to provide advanced service solutions and superior risk management. UniqueHR’s Workers’ Compensation insurance and risk management program protects our clients from the pitfalls of going it alone. When any employer handling these things in-house experiences a loss, this directly impacts their business with increased rates and higher experience rating that potentially could shut-down their entire operation.”