Property & Casualty

Risk Management Solutions

The final piece of the puzzle

Matrix Risk Management Solutions offers a full range of commercial and property claims management, including workers' compensation, general & auto liability, loss adjustment, subrogation and consultative services. Matrix manages this from a single platform for predictable, measurable performance and superior service. 

Want to know more? Please contact Laura K Garza @


Claims Management Services

Matrix Risk Management Solutions has been providing national claims services since 1987. We deliver distinctive benefits, ensuring better outcomes and an exceptional customer experience overall. Matrix customers expect better—and that’s what they get.

Collaboration - Matrix partners with each client, taking a collaborative approach to program design that is both practical and results oriented. 

Accountability - The dedicated team of claims and account management professionals at Matrix are your advocates and continually put their passion for quality service into action. With a commitment to ongoing and open communication, our team has helped Matrix earn a reputation for operational excellence and service discipline. 

Matrix offers flexibility and creative claim handling solutions for the following types of programs:

  • Self-insured employers
  • Large deductible & excess programs 
  • Guaranteed cost programs
  • Captives
  • Monopolistic state oversight

Workers’ Compensation

A healthy & safe return to work

One of the key differences with Matrix is our ability to unbundle select managed care products. Although we have established service providers who produce measurable savings and operational efficiencies, Matrix also recognizes that clients often have longstanding relationships they would like to continue when a change is made in their TPA administrator.  

When you partner with us, you will receive:
  • Ability to integrate worker's compensation with short term disability, long-term disability and family medical leave management
  • Highly experienced claims professionals, with a low turnover in staff 
  • An account manager who knows your culture and claims philosophy
  • Best in class online claim system that provides real-time adjuster notes, as well as detailed and ad-hoc reporting
Want to know more? Please contact Laura K Garza @

Managed Care

Matrix offers a full array of managed care services, including, but not limited to:
  • Bill Review
  • California Medical Provider Network (MPN) – Outcomes based
  • Catastrophic Case Management
  • Chronic Pain Management
  • Clinical IME
  • Crisis Response
  • Dental Network
  • EDI State Reporting
  • Ergonomic Evaluations
  • Functional Capacity Evaluations
  • Legal/Liability Nurse Review
  • Medicare Set-Aside
  • Medical Imaging and Diagnostics
  • Narcotic Management
  • Nurse Case Management (Telephonic & Field)
  • NT24 – 24/7 Nurse Triage & Intake
  • Off-Site Transitional Duty
  • Pharmacy Benefit Management
  • Pharmacist Intervention
  • Physical Medicine
  • PPO Networks (Illinois PPP, Texas HCN, HCOs)
  • Return to Work Advocacy
  • Telemedicine
  • Texas Health Care Networks
  • Utilization Review
Workers’ compensation is all about managed care. Whether your program is large or small, managed care will play a significant role at some point in time. 




Our general and auto liability experience is broad in its scope of industry segments and specializations, some of which are:
  • Agriculture    
  • Construction
  • Energy & Power
  • Entertainment & Sports
  • Financial institutions
  • Healthcare
  • Manufacturing
  • Products – defect & recall 
  • Public Entity
  • Retail, Food & Beverage
    • Liquor liability
  • Technology
  • Transportation (Auto & General):
    • Car-sharing
    • Cargo
    • Commercial 
    • Fleet
    • Hazardous material spills
    • Personal vehicles
    • Rental
    • Truck/heavy equipment damage appraisals
Want to know more? Please contact Jim Davis @


  • Auto (including fleet, ride-share & rentals)
  • Aviation
  • Bond
  • Inland Marine
  • Liability
  • Marine
  • Property
  • Workers’ Compensation (including second injury fund recovery)
Recovery opportunities are consistently recognized, thoroughly investigated and vigorously pursued on behalf of our clients. Identification of all joint-tortfeasors is completed and they are placed on notice of our intent for recovery/contribution or our right of subrogation. Once all damages are known and documented, we respectfully but aggressively pursue all monies owed our client. Relevant evidence is obtained and protected to avoid a claim of spoliation. Salvage is protected in a cost-effective manner and disposed of promptly and in compliance with State and Federal regulations.

Loss Adjusting Services

Although most clients require full assignments, from coverage analysis to settlement, Matrix also welcomes task assignments. Some of the services we offer are:
  • Analyze video surveillance
  • Cause investigation and determination 
  • Evaluate, pursue and recover subrogation
  • Full auto & heavy equipment appraisals
  • Full inventory evaluations
  • Full scene investigations – photos, measurements, diagrams, witness canvass
  • Immediate on-scene response and investigation
  • Injury and damages evaluations
  • In-Person or telephonic recorded statements with full summary
  • Liability determination based on jurisdictional laws
  • Mediation representation and trial monitoring and reporting
  • Negotiate injury settlements
  • Organize and monitor hazardous material spill clean-ups
  • Policy review and coverage determination 
  • Prepare settlement documents
  • Property scope of damages and repair estimates – fire, water, etc.
  • Salvage disposition
  • Secure police and fire reports

Integrated Disability Management

Matrix Absence Management and Matrix Risk Management Solutions offer a fully integrated product, incorporating workers’ compensation with all disability and leave programs, including FMLA (State and Federal), Leave of Absence services, employer specific leave policies, disability (STD, LTD, self-funded or insured), ADA Advantage, and California Voluntary Disability.

Employers who have implemented an integrated program have benefitted from some of the following key features:
  • Regulatory compliance with tracking WC lost time with FMLA consistently
  • Single claim intake for workers’ compensation and disability
  • Automatic transition from workers’ compensation to disability and leave programs when applicable  
  • Reduction in the number of vendors an injured worker will need to contact to trigger various benefit programs, resulting in improved employee experience
  • Fewer overpayments caused by lack of coordination of benefits
  • Reduction in administrative time for Human Resources/Benefits/Risk Management due to removing the escalation process for clients to notify multiple vendors when the employee begins to lose time.