James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and E-Mod reviews have saved insurance carriers, TPA’s, and other companies over $6.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings.