Skip to main content

Insure With Insight

Control costs. Fuel your business growth.

Jacobson Insurance and Risk Management - 800 Logo White

Connect With UsRequest a Quote

Learn About Jacobson Insurance & Risk Management

Welcome to Jacobson Insurance & Risk Management, your reliable ally in achieving commercial success. We are dedicated to delivering all-encompassing risk management and insurance solutions tailored specifically for small to upper-middle market organizations. With our proficient team of licensed insurance advisors, we offer invaluable strategic insights, personalized attention, and unparalleled service, so you and your organization can be prosperous. What sets us apart is our ability to negotiate with an extensive range of insurance providers, delivering a policy that aligns with your unique requirements and Total Cost of Risk (TCOR) concerns.

At Jacobson Insurance & Risk Management, we approach risk management with utmost dedication, and understand your unique needs by actively listening to you. Through careful examination of your business, we meticulously craft strategies that harness your growth potential to the fullest. With our exceptional JACOBSON RiskWise program, our services transcend expectations, encompassing comprehensive claims advocacy, proactive safety measures, loss prevention initiatives, meticulous contract reviews, and beyond. Allow us to empower you to unleash the untapped potential of your business. Take the first step today by contacting us for a consultation, and indulge in the unparalleled insight and effortless assistance you rightfully deserve.

Who We Are

At Jacobson Insurance & Risk Management, we embody integrity, excellence, and service. Our approach is rooted in respect, transparency, and unwavering dedication to finding optimal risk management solutions. With us, honesty and your best interests always come first.

Meet Our Team

Discover Insurance and
Risk Management Solutions

Let Jacobson Insurance & Risk Management harness our experience to negotiate tailored and cost-effective insurance programs spanning a broad spectrum of coverage solutions. Whether you need business insurance, employee benefits, or personal insurance, our unwavering commitment is to deliver superior protection that safeguards your financial interests.

Work Safety
Pre-Hire Physical
Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.


Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting
Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.


Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.


You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program
Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.


As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR
Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.


Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication
Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.


Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training
Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.


Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections
Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?


OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

Jacobson RiskWise is your trusted risk management partner.

At Jacobson Insurance & Risk Management, we believe in delivering tailored services that align with your individual needs.

Why Go Independent?Discover RiskWise
Three Main Priorities Guide Our Work

Control your costs.

Promote safety and prevention before incidents occur with risk management.

Insure with insight.

Make informed decisions with industry insights that are unique to your business.

Fuel business growth.

Maximize your potential for business growth by optimizing insurance expenses, freeing up valuable capital to fuel your organization’s expansion.

Hear What Our Clients Have to Say

Check out our reviews and see why you should switch to Jacobson Insurance & Risk Management.

Read Our Reviews

Manage Your Policies

Already a client of Jacobson Insurance & Risk Management? Visit our Service Center to make requests and manage your insurance.

Visit Service Center

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact Jacobson Insurance & Risk Management

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 855-222-7475 or email us.