Risk management for owners, CFOs and municipal leaders
Run safer. Pay less. Earn more. In that order.
Most companies don’t have a claims problem. They have the same kinds of injuries and claims happening again and again, each one raising insurance costs and cutting into profit. And they have blind spots nobody has checked, like whether the business could survive a fire or a total shutdown and keep its customers. A competitive insurance price won’t tell you that.
I find the problems driving those costs and the gaps that could close your doors. I work with your team to fix them and measure the results: fewer injuries, less disruption and less of your revenue consumed by insurance and losses as your business grows.
David R. Leng, CPCU, CIC, CBWA, CRM, MWCA
Chief Risk Officer, EVP and Partner, Duncan Financial Group · Irwin, Pennsylvania
- 35+ years in commercial insurance and risk
- 60+ person risk management team
- $70M+ saved for clients since 2004
- 4 business books, three #1 on Amazon
- PCRB Classification and Rating Committee
- Big “I” National Technical Affairs Committee
- Columnist, PSAB Borough News
Results
What changes when risk management is coordinated across the business
Owners usually call when the premium jumps or a claim goes sideways. What I find underneath is almost always older than that.
“Working with Duncan we were able to enhance the safety culture in our organization and reduced our Workers’ Compensation costs by over $300,000 a year.”
Gary Bowser, IIBowser Automotive Group
“First, he found and recovered $86,000 in errors that my old agent allowed to occur over two years, which no other agent saw. Second, David and his team overhauled our employee hiring, training and management processes. His approach reduced our workers’ compensation premium by 41%, in addition to correcting our premium errors. David and his team did a remarkable job. He literally kept us alive, and now is helping us to thrive!”
Mark Duda, PresidentDuda Cable Construction
“After working with your team for just about a half a year, you dramatically improved the safety of our operation and very quickly reduced our injury frequency. Most importantly, you negotiated with our insurance company and took us from a 15% surcharge to a 15% credit. That’s a 30% drop in our rates!”
Bob Mincin, PresidentMincin Insulation ServicesMoving from a 15% surcharge to a 15% credit is a 30-percentage-point change.
Where I spend my time
Industries where I’ve seen the claims before
After more than 35 years, most of my work sits in a handful of places. The patterns repeat. That is the useful part, because a pattern can be broken.
Public entities
Council hears about the claim, not the program that prevented it. We put both in writing, in a record council can review and fund. Municipalities, school districts and municipal authorities. Facility rentals, parks, sidewalks, police liability, cyber. I write the In the Workplace column for PSAB's Borough News and present at PSAB conferences.
School bus and transportation
Insurance cost shapes what a contractor can bid and deliver. We work on driver selection, fleet data and coverage, the things that shape how the carrier sees your operation. Telematics, CAB scores and the blind spots in the program.
Manufacturing
A lost-time injury slows the line and loads extra work on the rest of the crew. We trace the repeat to the task behind it and work with your team on the fix. Machine guarding, lifting and repetitive-motion injuries, product liability, and the property and business income limits that decide whether a plant reopens after a loss.
Construction
A mod above your customer’s threshold can keep you off the bid list. We find the claims driving it and the changes that move it. Subcontractor risk transfer, certificates that don't say what you think, and work comp frequency in the trades.
Home healthcare and senior living
An injured caregiver is a visit someone else has to cover. We work on lifting and transfers, driving between visits, and suitable work during recovery, so fewer injuries turn into staffing holes.
Workers' comp and the experience mod
Your mod is built on several prior years of losses and payroll. We work on what goes into the next ones. We go through the worksheet with you, separate repeat claims from one-off severe losses, and show which changes can move future renewals.
Speaking
Your members leave knowing what to fix first
Keynotes and workshops for associations, chambers and conferences. Each session is built from your members’ own claims and questions: the problems they haven’t spotted, what those problems are already costing them, and what to change the week they get home.
“Members surveyed felt the session responded directly to their dilemma of increasing insurance premiums and decreasing coverage. They walked out the door with ideas for manageable solutions to control their rising premiums. I personally was impressed that David spent time prior to the session acquainting himself with members of our Association, making sure his material was indeed focused to their needs. It was spot-on.”
Linda JovanovichExecutive Vice President, Hardwood Manufacturers Association
What owners tell me
And what happened next
“We’re happy with our insurance agent.”
He had insurance. It paid. He still lost the business.
“Renewal isn’t until next year.”
The equipment was gone. In the insurance companies’ files, it was still there.
“Our claims have been paid.”
That one claim added more than $130,000 to what the company paid for insurance.
“We shop our insurance regularly.”
Every quote he had before us would have cost him more.
Books
Four books on business risk, recovery and cost
Insured to Fail
What 86 failed businesses and three dozen survivors taught about recovering from a major loss.
Stop Being Frustrated & Overcharged
52 ways to cut work comp premiums, find the overcharges and get your time back.
The 10 Laws of Insurance Attraction
Why well-run companies attract better carriers and lower premiums, and how to become one.
Turning Premiums Into Profits
Group captives, retros and self-insurance, for companies paying $100,000+ in premium.
Recent articles
In the Workplace, PSAB Borough News
- 2026Municipal Blindspots: The Lesson Nobody Wrote DownBorough News, Pennsylvania State Association of Boroughs
- 2026Would Your Borough Be Ready Tomorrow Morning?Borough News, Pennsylvania State Association of Boroughs
- 2026Municipal Blindspots: The Hidden Risks of Allowing ATVs, UTVs, and Golf Carts on Public RoadsBorough News, Pennsylvania State Association of Boroughs
- 2026Municipal Blindspots in Repurposing PropertiesBorough News, Pennsylvania State Association of Boroughs
- Dec 2025Avoiding Municipal Liability Blind Spots: Building a Culture of Risk Awareness in Pennsylvania BoroughsBorough News, Pennsylvania State Association of Boroughs
“David Leng's understanding of the intricacies of Workers Compensation and Risk Management is deep and impressive. He helped a packed room of Westmoreland County Chamber members to better understand the challenges (and opportunities) this complicated issue presents to many business owners.”
Chad M. AmondPresident, Westmoreland County Chamber of Commerce