Customized 

Third-Party Administration (TPA)

LoCA provides customized, client-driven third-party claims administration services for self-insured groups, individual public and private entities, and insurance companies.

Workers’ Compensation

We provide “unbundled” third-party claim administration services customized to the needs of our clients. LoCA’s guiding mission, core values and business model drive our highly experienced and motivated claims professionals to recognize the alignment between the client’s interests and our own. That way, both parties are pulling in the same direction with common expectations.

Our workers’ compensation client base includes school boards, municipalities, construction companies, and chemical plant service companies.

Pharmacy Management Services

LoCA partnered with MSQ to provide pharmacy management services to their clients. LoCA’s clients save an average of 40% on the price of their prescriptions with real-time processing at national and local retail pharmacies. Additional services include:

  • First Fill, Retail Drug Card, Home Delivery and Compounding
  • More than 35 real-time utilization review edits
  • Clinical utilization review, formulary management, and generic enforcement

Medical Bill Review

LoCA’s Medical Bill Review services enable clients to make the most appropriate and accurate payment decisions. LoCA’s Medical Bill Review services include:

  • Provider Bill Review
  • PPO Networks
  • Provider Negotiations
  • Hospital Bill Review
  • Specialty Bill Review

Medical Case Management

LoCA’s Medical Case Managers work closely with the claim adjuster, doctor, and injured employee to ensure that the medical treatment is appropriate and cost-effective. LoCA understands that engaging a Medical Case Manager in the proper situations will shorten the time it takes an injured employee to return to work, which results in lower overall costs.

Property and Casualty

We provide TPA services for the following property and casualty lines:

  • General Liability
  • Commercial Property
  • Auto Liability
  • Professional Liability
  • Educator Legal Liability
  • Police Liability
  • Product Liability
  • Employer Liability

We currently provide property and casualty TPA services to several statewide self-insured groups and many individual self-insured public and private entities.

Risk Management & Loss Control

LoCA offers comprehensive loss control services that complement our proactive claims administration coverage. The two should be integrated in order to promote employee safety while minimizing the cost of coverage. We’ll identify, assess, and prioritize the risks you face from legal liabilities, hazards, and accidents, and then prepare a comprehensive plan for how to best apply your resources to minimize, monitor, and control the probabilities and impacts of these risks.

This comprehensive service begins with an assessment of your operations so we can determine the specific safety and health hazards and related regulatory compliance issues that put your people, your property, and your reputation at risk. Based on that assessment, we’ll design a specific risk management program that meets your needs, time schedule, personnel requirements, and budget.

Independent Adjusting Services

LoCA’s highly experienced team of field adjusters and claims staff provides daily adjusting services for the following lines:

  • Commercial General Liability
  • Personal and Commercial Automobile Liability
  • Workers’ Compensation
  • Professional Liability
  • Product Liability
  • Environmental Liability
  • Maritime Liability
  • Premises Liability
  • Residential Property
  • Commercial Property