Total Risk Shield

Protect Your People. Protect Your Profits.

Total Risk Shield is Alloy’s proprietary, all-in-one risk management model that unites workers’ compensation, employee wellness, and compliance strategy into one cohesive system. Designed specifically for high-risk industries, it helps employers reduce claims, control premiums, and protect their teams with smarter, data-driven solutions.

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What’s Included in Total Risk Shield?

When wellness, workers' comp, and compliance are disconnected, costs rise, injuries repeat, and trust erodes. Total Risk Shield unifies them into one high-impact system built for outcomes.

Integrated wellness and risk prevention

Proactive claims management with full accountability

Compliance mastery and regulatory defense

Tangible financial savings and measurable employee impact

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Group_Insurance_Workers

What’s Included in Total Risk Shield?

When wellness, workers' comp, and compliance are disconnected, costs rise, injuries repeat, and trust erodes. Total Risk Shield unifies them into one high-impact system built for outcomes.

  • Integrated wellness and risk prevention
  • Proactive claims management with full accountability
  • Compliance mastery and regulatory defense
  • Tangible financial savings and measurable employee impact

Workers’ Comp -
Strategically Managed by People Who Share the Risk

Alloy doesn't just administer claims. We assume the liability ourselves. That means we’re invested in lowering your claim volume, accelerating resolution, and reducing cost.

How Total Risk Shield Delivers Results:

  • Real-Time Oversight: From triage to return-to-work, we manage every step in-house. No waiting on third parties.
  • Cost Control: Proactive resolution and claim oversight reduce reserves and long-tail costs.
  • Premium Reductions: Clients see 25–40% decreases after switching to Alloy.
  • EMR Improvement: Fewer claims, faster closures, and expert documentation lower your mod rate.
  • Ohio-Specific Mastery: We navigate BWC, DFSP, and OSHA requirements so you don’t have to.
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Wellness That Prevents Claims and Pays for Itself

Wellness isn’t a perk—it’s a prevention strategy. Total Risk Shield includes a wellness program powered by Oaceus 360 that helps employees stay healthy and engaged while creating tax and premium savings for your business.

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What the Wellness Plan Includes:

  • Personalized health assessments
  • One-on-one wellness coaching
  • Mental health counseling and resources
  • Preventative care and telemedicine access
  • High adoption rates even in blue-collar teams

Built-In Financial Advantages:

  • Delivered through a Section 125 Cafeteria Plan
  • Employers save on payroll taxes, employees reduce taxable income
  • In Ohio, workers’ comp premiums are lowered through adjusted reportable wages

Why Total Risk Shield Works

Total Risk Shield works because it aligns every stakeholder around the same goal: reducing risk and improving outcomes.

  • Alloy owns the risk—so we act fast and manage proactively
  • Wellness and workers’ comp are integrated into a single outcome-driven model
  • Compliance, culture, and cost control are aligned from day one
  • Results are documented and repeatable—not theoretical

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Real-World Results

Total Risk Shield is already delivering measurable savings across high-risk industries. From construction to logistics, our clients are seeing fewer claims, stronger wellness engagement, and significant reductions in both workers' comp premiums and overall cost.

Commercial Roofing Company
  • 36% workers’ comp premium reduction
  • 195 out of 212 employees enrolled in wellness
  • $324,000 saved in 2024
Delivery Service Provider
  • 66% workforce qualified for wellness
  • $103,866 in FICA tax savings
  • $140,000 total annual savings
See Your Savings Potential

Built for High-Risk Industries

Total Risk Shield is designed for companies in:

Construction and trades
Logistics and transportation
Skilled nursing and healthcare
Light manufacturing
Maintenance and commercial services

 

If you manage labor risk, regulatory pressure, and workforce complexity—Total Risk Shield was built for you.

 

Get Started With Alloy Total Risk Shield
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Or call us toll free at 833-280-5324