In claims management, preventive measures are still the best wayto control costs. However, claims are going to occur, so having theright plan in place to manage them becomes critical.

A client's claims-management functions can have significantimpact on how insurers view the risk during the underwritingprocess. For property, liability and auto claims,claims-management practices can result in higher or lowerpremiums—and for workers' compensation, they can result in higheror lower modifications as well as increases or decreases in theapplication of scheduled credits.

Click next for tips on how clients should respond to property,casualty and workers' comp claims.