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<h2>Most employers are paying more than they should — and don’t know it.</h2>

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 HR and regulatory gaps — an outdated employee handbook, a missed FMLA requirement, an inaccurate OSHA log — create exposure that most business owners don’t discover until something goes wrong.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 — no invoices, no retainers, no catch.

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<h2>1 in 2 businesses is being overcharged on workers’ comp right now. OSHA fines start at $16,550. We have been serving employers since 1948.</h2>

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<h3>Advisory Services — All Provided at No Cost</h3>

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 & 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.

HR & Regulatory Compliance 
We conduct in-depth compliance reviews across 22 areas — from FMLA and EEOC to HIPAA, COBRA, and your employee handbook. Most businesses find at least one gap they didn’t know about.

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An outdated employee handbook is one of the most common compliance gaps we find.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.

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<h3>Commercial Insurance Coverage</h3>

We are an independent agency placing commercial insurance across all major lines. We work with multiple carriers to find the right fit for your business — not just the easiest policy to place.

<ul>
<li>Workers Compensation</li>
<li>General Liability</li>
<li>Commercial Property</li>
<li>Commercial Auto</li>
<li>Commercial Umbrella</li>
<li>Business Owners Policy</li>
<li>Professional Liability</li>
<li>Cyber Liability</li>
</ul>

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<h3>Industries We Serve</h3>

We work with employers across a wide range of industries. If you run a business with employees, we can help.

<ul>
<li>Manufacturing — Fabricators, processors, assembly, food production</li>
<li>Construction — General contractors, subcontractors, specialty trades</li>
<li>Distribution & Warehousing — Logistics, fulfillment, freight, wholesale</li>
<li>Transportation — Trucking, fleet operations, courier and delivery</li>
<li>Healthcare & Social Services — Clinics, home health, assisted living, nonprofits</li>
<li>Agriculture — Farming operations, nurseries, landscaping</li>
<li>Retail & Hospitality — Stores, restaurants, hotels, entertainment</li>
<li>Professional Services — Staffing, consulting, property management, security</li>
<li>Utilities & Energy — Electrical, plumbing, HVAC, environmental services</li>
<li>Education & Childcare — Schools, daycares, after-school programs</li>
</ul>

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<h3>We Are Specialists, Not Generalists.</h3>

Buell Insurance is an independent commercial insurance agency based in Libertyville, Illinois, serving employers across the country. We focus exclusively on commercial accounts — businesses that carry workers compensation coverage and want an advisor who understands how to manage it, not just place it.

Our agency holds the 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 have been serving business owners since 1948. Over 75 years, one thing has not changed: the belief that an insurance agency should do more for its clients than show up at renewal with a quote.

<ul>
<li>We hold a specialty designation. The CWCA credential means specifically trained in workers comp cost management — not just licensed to sell it.</li>
<li>We are commercial only. Every client we serve is a business owner. We do not split our attention between personal and commercial lines.</li>
<li>We provide compliance services at no cost. OSHA compliance, mod analysis, return-to-work, HR review — all included, no invoice, no retainer.</li>
<li>We are independent. We work with multiple carriers and place coverage based on what fits your business — not what is easiest to sell.</li>
<li>We stay involved. We monitor your mod, respond when incidents happen, and check in regularly. Not just at renewal.</li>
<li>We measure outcomes. Did your mod go down? Did you pass the OSHA inspection? Did the claim get managed well? That is how we keep score.</li>
</ul>

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<h3>What Working With Us Looks Like</h3>

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.

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<h3>Ready to Find Out What Your Current Agent Isn’t Telling You?</h3>

<a href="https://secureformsolutions.com/form/buellinsurance.com/contact">Schedule a free 30-minute review.</a> 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.

Or call us directly: <a href="tel:8473670900">847-367-0900</a>

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Buell Insurance is a commercial insurance agency specializing in workers compensation cost reduction, OSHA compliance, and employer regulatory compliance for businesses nationwide. We hold the Certified WorkComp Advisor (CWCA) designation through the Institute of WorkComp Professionals. We serve employers in manufacturing, construction, distribution, transportation, agriculture, healthcare, retail, hospitality, utilities, education, childcare, professional services, and other industries that carry workers compensation insurance. We place commercial insurance across workers compensation, general liability, commercial property, commercial auto, umbrella, BOP, professional liability, and cyber liability. All compliance and advisory services are provided at no cost to Buell Insurance clients. Located in Libertyville, Illinois. Serving employers nationwide. Founded 1948.

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