Ask any California business owner what keeps them up at night, and “workers’ comp claims” is almost always on the list. Claims don’t just cost money – they drain time, spike premiums, and can even threaten the future of a company.

Here’s the truth: the traditional system is designed to be slow, attorney-driven, and expensive. Employers often feel powerless as disputes drag through years of litigation. But there’s a better way.

At MartinoWest Business & Insurance Solutions, we help employers tap into Alternative Dispute Resolution (ADR) – a smarter, California-compliant structure that reduces litigation, lowers costs, and resolves claims faster, without sacrificing employee trust or compliance.

What If Your Claims Cost 30% Less – And No One Had to Lawyer Up?

If you’re tired of watching legal fees skyrocket while claims stall, this is the solution you’ve been waiting for. ADR restructures the claims process so it works better – for both employers and injured workers.

With this approach, businesses often see:

• Less litigation
• Faster claims resolutions
• Claims costs cut by up to 30%
• Improved return-to-work outcomes
• Stronger employee trust

It’s not a “discount policy.” It’s a state-approved process that restores balance to a system that too often punishes employers.

What Is Alternative Dispute Resolution?

Alternative Dispute Resolution is a framework of strategies designed to keep disputes out of the courtroom. Instead of battling through years of hearings and appeals, ADR allows employers and employees to work toward a resolution through cooperative methods.

When a workers’ comp claim escalates into litigation, the business owner is already facing steep legal fees, administrative headaches, and potential long-term increases in insurance premiums. ADR provides a faster, more cooperative process, helping businesses save both time and money.

By addressing claims at the earliest possible stage, ADR keeps employers out of costly litigation and prevents years of disruption that can result from drawn-out appeals.

How ADR Works in Real Life

Picture this:

1. An injured employee files a claim.
2. Instead of being thrown into the legal grinder, the case is reviewed by a neutral specialist.
3. Most disputes are resolved quickly here. If more support is needed, mediation provides space for dialogue.
4. Only in rare cases does arbitration step in, with a legally binding decision issued quickly—usually within 30 days.

This streamlined structure keeps disputes moving forward while sparing businesses years of wasted time and inflated costs.

Who Benefits Most

This solution is built for employers who are tired of fighting every claim, including:

• High-mod businesses facing spiraling premiums
• Companies with frequent or severe claims
• Risk managers looking for control over outcomes
• Owners bleeding money on legal overhead

If this sounds familiar, you’ll notice the difference in as little as one policy year.

The Employer’s Advantage

Employers who use ADR gain three major advantages:

• Faster resolutions – No more years stuck in litigation limbo.
• Lower costs – Save on legal fees, claim expenses, and premium hikes.
• Better relationships – Employees feel heard and respected, reducing workplace tension.

Instead of running a courtroom on the side, you get back to running your business.

This Isn’t a Trend – It Could Be the Future of Workers’ Comp

Traditional workers’ comp claims often feel like a lose-lose situation for employers. Even when a fraudulent claim is eventually denied, the time, legal costs, and premium increases take their toll. ADR flips that script by creating a system where employers can resolve disputes faster, reduce financial exposure, and maintain focus on running their business.

At MartinoWest, we understand how devastating unchecked workers’ comp costs can be. That’s why we help companies access competitive rates, control their experience modification factor (X-Mod), and keep their premiums from spiraling out of control – all while providing employees with a fair, accessible resolution process.

You’re not in the legal business – so why are your comp claims?

Ready to Take Back Control?

One conversation could cut your claims spend by 30% – and give you a clear path to lowering your total cost of risk.

👉 Let’s take 15 minutes to review your comp performance. Contact MartinoWest today and see how ADR can protect your team and your bottom line.