In-House Specialists Provide Unique Claim Expertise
Specialty claim services
Every claim is unique, and outcomes are far from assured, even in situations that seem straightforward. That's why we have specialists on-staff who are dedicated to driving the most positive outcomes possible, no matter what area of expertise a claim requires. Your Claim professional will work with you to help determine if and when specialized services are appropriate and make recommendations based on their extensive experience and insights gleaned from our deep data and analytics capabilities.
Medical resources
Show your employees how much you care. Our Claim professionals strive to be the very best in the industry and provide your employees with the care and resources they need.
- The 24/7 nurse line gives injured employees fast access to medical expertise and claim processing information.
- Early Severity Predictor® tool helps identify injured employees at a higher risk of developing chronic pain and allows for earlier intervention.
Legal resources
If someone claims they were injured on your property or by your product, our Claim professionals work together with our investigative and legal experts to develop strategies that help protect your business from unsubstantiated or false claims of damages.
We recognize that a liability claim can have implications that extend well beyond the immediate cost of the claim. Through partnership and collaboration, we are committed to understanding our Constitution State Services (CSS) clients' unique needs and providing them with customized solutions.
Subrogation
Be confident you are getting a partner who is committed to making sure that losses are paid by the responsible party.
Investigative services
Stay ahead of the increasing costs of insurance fraud with detection and investigative capabilities. We work hard to protect your business from fraud at every stage of the claim process through sophisticated technology, data and analytics.
- Field Investigative Staff of nearly 300 investigators countrywide, 95% field based of whom 2/3 have law enforcement background and 1/4 of them have military background.
- We review claim notices daily and use predictive tools to identify claims that may be appropriate for further investigation.
Risk control
Our risk control specialists can help you mitigate your exposures by assessing your operations and providing strategic recommendations, trainings and more.
Experienced claim professionals
Our people are a key reason CSS stands apart from other TPAs. They have extensive experience and ongoing education, are insightful, proactive and aim to work seamlessly with your organization.
Learn more about claim services
Workers compensation
We work closely with you to help injured employees get the care and support they need to return to work as soon as medically appropriate.
Auto
Get back on the road quickly with the least disruption to your business operations, your brand and reputation.
General liability
Our Claim professionals work with legal and investigative services to protect your business and your brand.