Workers’ Comp Costs: Legitimate, Compliant — and Still Rising
A known headache for security company owners — and one of the hardest profit hits to get control of.
It’s a headache.
It’s time-consuming.
And when it spikes, it takes a real bite out of profit.
You feel it immediately — not just in the numbers, but in the distraction it creates.
Where the Frustration Comes From
Many Workers’ Comp claims are real.
Injuries happen in the field.
The system exists for a reason.
The frustration comes from the gray area.
Officers showing up already injured.
Pain that appears after a shift.
Claims that are difficult to challenge, even when timing raises questions.
Nothing is obviously improper.
Everything moves through the process.
And yet, the cost keeps climbing.
A Problem That’s Hard to Act On
This is what makes Workers’ Comp so difficult for security companies.
You can’t ignore it.
You can’t easily dispute it.
And you can’t simply “manage it away.”
So most companies do what they can:
- They document carefully
- They follow the rules
- They absorb the cost and move on
Over time, that acceptance becomes the default — even as profit keeps taking hits.
What the P&L Reflects
The P&L doesn’t show you frustration.
It shows you the result.
Workers’ Comp costs don’t usually explode overnight.
They accumulate.
Margins tighten.
Insurance-related expenses rise.
And the explanation is usually the same:
That’s just part of the business.
Sometimes that’s true.
Sometimes it’s just the only explanation available.
Why This Persists Even in Disciplined Companies
This isn’t about negligence or poor oversight.
Many well-run security companies experience this exact pattern.
When claims are legitimate, processes are compliant, and options feel limited, there’s rarely a clear trigger to step back and look at the accumulation as a whole.
The business adapts.
The cost becomes familiar.
And the profit impact quietly compounds.
Where Clarity Comes From
The Shield Check™ doesn’t accuse.
It doesn’t dispute claims.
And it doesn’t promise fixes.
It asks a simpler question:
Is the way these costs are behaving materially affecting profit — or not?
No assumptions.
No recommendations.
No disruption.
Just a factual way to determine whether Workers’ Comp costs are within a normal range for your operation — or quietly pulling more profit than expected.