Our Alternative Dispute Prevention and Resolution Program (ADR), established in collaboration with our workers' compensation insurance program, is designed to speed injury treatment, resolve claims quickly and reduce or avoid costs associated with litigation.

An ombudsman plays a central role in preventing or limiting disputes through informal conciliation and arbitration as soon as possible following the injury of an employee. Employees benefit from free expert help and informal resolution of disputes without the involvement of an attorney.

Employers may benefit through reduction of workers' compensation premiums, thereby achieving greater efficiency in the marketplace.