CBS LLC, in partnership with Heritage Consultants-Professional Administrators, can provide customized workers’ compensation / general liability programs for employer groups whose current annualized premium is $500,000 or more. Significant savings can be realized through the implementation of a self-funded workers’ compensation program. This is due to the fact that any unused claims dollars are retained by the employer rather than going back to the insurance company. Some clients have realized savings in the range of 40-50% by moving from a traditional fully-insured program to a self-funded program. Additionally, Heritage Consultants-Professional Administrators maintains an OSHA-certified engineer to assist in the areas of workplace safety, ergonomics, etc.