Most employers are paying more than they should — and don't know it.
Errors in the workers compensation system cause overcharges in 1 out of 2 businesses. OSHA fines start at $16,550 per violation and increase sharply for repeat offenses. HR and regulatory gaps — an outdated employee handbook, a missed FMLA requirement, an inaccurate OSHA log — create exposure that most business owners don't discover until something goes wrong.
The problem isn't that employers don't care. It's that most insurance agents aren't trained to help with any of this. They quote the policy, bind the coverage, and move on.
We do it differently.
We are compliance and cost-reduction advisors who also happen to sell insurance.
Buell Insurance provides a suite of employer services designed to reduce what you pay, protect what you have built, and keep you compliant with the regulations that govern your workplace. All at no cost to our clients.
Workers Comp Cost Reduction
We analyze your experience modification factor, review your claims history, and identify exactly where you are overpaying. Then we build a plan to bring those costs down.
OSHA Compliance and Recordkeeping
We help you maintain accurate OSHA logs, meet your annual filing deadlines, and stay prepared for an unannounced inspection. Getting this wrong is more expensive than most employers realize.
Workplace Safety Management
A proactive safety program doesn't just protect your employees — it directly reduces your claims frequency and your workers comp cost. We help you build one that works.
Return-to-Work Programs
The longer an injured employee is away from work, the more expensive the claim becomes. We help you build a modified duty program that gets people back safely and reduces your cost exposure.
HR Handbook Review
An outdated employee handbook is one of the most common compliance gaps we find. We review your policies against current federal requirements and help you close the gaps.
We are specialists, not generalists.
Buell Insurance is an independent commercial insurance agency based in Libertyville, Illinois, serving employers across the country. We focus exclusively on commercial accounts — specifically businesses that carry workers compensation coverage and want an advisor who understands how to manage it.
Our agency holds a Certified WorkComp Advisor (CWCA) designation through the Institute of WorkComp Professionals — a specialty credential earned by fewer than 2,000 insurance professionals in the country. It means we have been specifically trained in the technical details of workers compensation pricing, experience modification factors, and cost-reduction strategies that go well beyond what a standard insurance agent is equipped to provide.
We work with employers in manufacturing, construction, distribution, healthcare, and other industries where workers comp is a significant line item — and where the difference between an agent who understands the system and one who doesn't shows up directly on your bottom line.
What working with us looks like.
1. We start with a review, not a quote.
Before we talk about coverage, we want to understand your current workers comp cost, your experience mod, your OSHA records, and your compliance posture. That review is free and takes about 30 minutes.
2. We show you what we find.
Most employers we work with discover at least one area where they are overpaying or exposed. We lay it out clearly — what it is, what it is costing you, and what can be done about it.
3. We build a plan and stay involved.
We are not a quote-and-disappear operation. We monitor your mod, respond when incidents happen, help you stay current on compliance, and check in regularly — because that is where the real value of an advisor shows up.
Ready to find out what your current agent isn't telling you?
Schedule a free 30-minute review. We will look at your workers comp mod, your OSHA records, and your compliance posture — and tell you honestly what we find. No pitch. No pressure.