Our Services
OSHA defense and workers' comp management. End to end.
We handle the compliance, the paperwork, and the negotiations so you can focus on what you do best. From citation defense to premium reduction, Raincoat is your outsourced safety and claims department.
What We Do
Two core services. One goal: protect your business.
Raincoat Claims Consulting provides hands-on OSHA defense and workers' comp management for businesses that need expert support without the overhead of a full-time safety department.
OSHA Citation Defense & Compliance
From translating citations to representing you at informal conferences, we handle every step of the OSHA process so you can focus on running your business.
Learn moreWorkers’ Compensation Management
We dispute inflated reserves, manage claims directly with adjusters, and work to reduce your premiums year over year. Every dollar saved is a dollar back in your business.
Learn moreService One
OSHA Citation Defense & Compliance
When a citation arrives, the language is technical, the deadlines are tight, and the requirements are industry-specific. Raincoat takes ownership of the entire process, from translating the citation to representing you at the informal conference, where we negotiate directly with OSHA to reduce your penalties.
Citation Breakdown
Every violation translated into plain language: what it means, what’s required to resolve it, and when it’s due.
Program Creation
We build the required programs from scratch: hazard assessments, PPE, HAZCOM, respiratory protection, and more.
OSHA Correspondence
We draft every response to OSHA. You review, sign, and send. No guesswork.
Informal Conference
Most business owners don’t know their penalty can be formally contested. We handle that process on your behalf.
Ongoing Support
After the citation is resolved, we continue building the compliance infrastructure for any future inspection.
Citation Breakdown
Illustrative example of a single inspection
PPE Hazard Assessment Not Documented
No Written Lockout/Tagout (LOTO) Program
No Hazard Communication Program
OSHA Logs Not Provided Within Required Timeframe
Deficiencies in Training Documentation
Combined exposure
Each item is penalized independently
| # | Violation | Severity | Penalty |
|---|---|---|---|
| 1a | PPE Hazard Assessment Not Documented | Serious | up to $16,550 |
| 1b | No Written Lockout/Tagout (LOTO) Program | Serious | up to $16,550 |
| 2a | No Hazard Communication Program | Serious | up to $16,550 |
| 2b | OSHA Logs Not Provided Within Required Timeframe | Other-Than-Serious | typically $4,500 |
| 3a | Deficiencies in Training Documentation | Other-Than-Serious | typically $4,500 |
| Combined exposure | Each item is penalized independently | $58,650 | |
Programs We Build
Compliance programs created or updated as part of our service
- Hazard Communication (HAZCOM)
- Lockout/Tagout (LOTO)
- Respiratory Protection
- PPE Hazard Assessment
- Bloodborne Pathogens
- Hearing Conservation
- Fall Protection
- Confined Space Entry
- Emergency Action Plan
This is not an exhaustive list. We tailor every program to your industry, workforce, and inspection history.
Service Two
Workers' Compensation Management
Most businesses assume their carrier is managing claims on their behalf. In practice, carriers set reserve amounts that directly affect your annual premiums, and those numbers aren't always challenged. We step in to actively manage claims, dispute inflated reserves, and keep your costs under control.
Your Experience Modification Rate (EMR) is the single biggest factor in your premium calculation. A high EMR means you pay more for the same coverage. We work to bring it down and keep it there.
Loss Run Review & Management
We analyze your claims history to identify patterns, flag errors, and uncover savings opportunities.
Reserve Dispute & Negotiation
Inflated reserves drive up your premiums. We challenge them directly with the carrier on your behalf.
Insurance Adjuster Communication
We handle all communication with adjusters so claims move forward accurately and on schedule.
Fraudulent Claim Identification
We review claims for red flags and coordinate with your carrier when fraud is suspected.
Light-Duty Return-to-Work Programs
Getting injured employees back to modified duty faster reduces claim costs and keeps your mod low.
Medical Bill Audit & Review
We review medical charges against fee schedules to catch overbilling and unnecessary treatment costs.
Premium Escalation
Illustrative example of how unmanaged claims affect premiums over time
Baseline. Clean record.
Two unmanaged claims.
Reserves left unchallenged.
Same policy. Premium has doubled.
With active claims and reserve management: Lower reserves lead to lower reported claim costs, which keeps the E-Mod in check and premiums stable. For businesses with frequent claims, the compounding effect over time is significant.
Beyond the Basics
Training, protocols, and programs that keep your team compliant.
OSHA Training
10-hour and 30-hour OSHA Outreach certification courses for general industry and construction workers.
Management Safety Training
Supervisor compliance training covering hazard recognition, incident reporting, and regulatory obligations.
First Report of Injury Protocol
24/7 intake process ensuring every workplace injury is documented, reported, and managed from day one.
Safety Training Portfolio
Comprehensive training programs including LOTO, Bloodborne Pathogens, HAZCOM, Fall Protection, and more.
Results That Matter
The track record behind the promise.
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Claims Managed
OSHA and workers’ comp claims handled end to end
$0K+
In OSHA Fines Reduced
Exposed penalties challenged, negotiated, and lowered
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Faster Claim Closure
Because every open day costs your business money
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States Served
Nationwide coverage with consistent, reliable consulting
Most businesses don't know how much they're overpaying until someone looks. We review your claims, your citations, and your premiums at no cost. If we can help, we'll show you exactly how.
Ready to Get Started?
Talk to a consultant today. No cost, no obligation.
Our first conversation is always free. We'll review your situation, explain your options in plain language, and outline what working together would look like.