HR Roundtable Topic: Mitigating Risk & Managing Legacy Claims

Risky Business: Understanding Claims and Their Impact on Your Bottom Line Your X-Mod isn't just a number your broker mentions at renewal — Risky Business: Understanding Claims and Their Impact on Your Bottom Line Your X-Mod isn't just a number your broker mentions at renewal — it's a running scorecard of every claim your company has ever had, and it's quietly shaping your premiums, your competitiveness, and your bottom line. Most HR and risk leaders have never had anyone actually explain how it works. This session fixes that. Join CL Employment Group for our next HR Roundtable featuring Angel C. Guerra and Sandy Avina, co-authors of Riskfetti — a risk management book built for people who "got a D in math class but an A- in creative writing." Between them, they bring 20+ years managing workers' comp, risk programs, and complex claims for organizations across California and beyond. What you'll walk away with: • Working with Your Broker — how to turn the relationship from transactional to strategic • X-Mod Impact — what actually drives it, and how to move it in the right direction • Claims Mitigation — practical steps to reduce cost and exposure before claims escalate • Managing Legacy Claims — what to do with the old, open claims still quietly costing you Why you don't want to miss this: Claims are one of the few line items where the cost of not understanding the system compounds every year — a single mismanaged claim can follow your business for three years through your X-Mod alone. This isn't a compliance lecture or a generic insurance overview. It's a practical, no-fluff session from two people who've built defensible, cost-smart claims programs for a living, delivered in a way that's actually engaging. Whether you're new to risk management or a seasoned HR leader who wants a sharper handle on what's driving your costs, you'll leave with something you can act on Monday morning.