Frequently Asked Questions


What does CBR do?

We manage workers’ compensation claims for approved self-insured employers and insurance groups. We can assist setting up new programs, or take over and improve existing programs.

Do CBR have the option for online claim reporting?

Yes, CBR now offers our clients online claim reporting.  Just click on the "Enter a claim" button on the home page to access our online tool and additional claim forms.

What makes CBR different than other claims companies?

Our well rounded and expansive expertise, our commitment to customer service, and our dedication to communication with client, employer, and employee. We can solve any workers’ compensation issue, and will dedicate ourselves to making sure your insurance program is successful.

Can CBR assist me with process of approval through the appropriate governmental agencies?

Yes. CBR’s executive team are past Directors of Insurance at the Workers’ Compensation Court. We can give you an honest assessment of your program’s viability, and will work hand in hand through the governmental review process.

Can you assist me in setting up a self-insured workers’ compensation plan?

Yes. CBR works with many different insurance brokers and excess insurance carriers, and can help evaluate the pros and cons of a self-insured program.

What is self-insurance?

Self-insurance means you do not buy a workers’ compensation policy for your workers’ compensation claims, but pay and handle the claims yourself rather than going through an insurance company. A company has to be approved by the State of Oklahoma to self-insure.

What are insurance groups?

Insurance groups buy a workers’ compensation policy from a licensed carrier, but contract with a Third Party for claims administration and management.

What are the risks of self-insurance?

With a first dollar workers’ compensation policy, you will never pay more than your audited premium for each year. With self-insurance, you can pay considerably less than first dollar workers’ compensation policy if you have a good claims years, but can pay significantly more if you have a bad claims year.

Does a self-insured employer have control of claims decisions?

Yes. If you are a self-insured employer, you have control whether to accept or deny a claim, and whether to settle a claim, and for how much, amongst many other things.

I’m worried about catastrophic claims...what can be done to mitigate these concerns?

Most self-insured employers buy Excess Workers’ Compensation insurance, to cap their losses at a certain dollar amount to protect the company’s assets.

Does CBR analyze loss data and provide reports?

Yes. CBR can provide custom reports and analysis to help you analyze your injuries, monitor and evaluate your program, and help prevent future losses.

How do I learn more?

Contact a representative, and you will receive a reply shortly. You can also give us a call at 918-594-5170 (Tulsa), 405-848-3387 (OKC)