Lower your EMR. Lower your premiums. Keep them there.
State 28 cuts your workers' comp cost, builds the safety program that keeps it down, and gives you a branded app to run it all. One certified operator, not three vendors who don't talk to each other. Led by Dustin Smith, a Certified Safety Professional and licensed Texas insurance agent with 13 years across oil & gas, construction, wind and solar, manufacturing, and fleet.
EMR Savings Estimator
Most firms sell you a binder. We change the number on your premium.
Safety consulting, insurance placement, and the software to hold it together, from one certified operator instead of three vendors who don't talk to each other.
Cut the cost
We start with an EMR and claims review, then drive the experience modifier down so your workers' comp premium follows it.
Run the program
We build and manage the safety management system that keeps your mod low: training, audits, claims control, OSHA-ready documentation.
Own the app
You get a branded safety app, built by us, so your team runs muster, reporting, and alerts from one place you actually own.
Your safety program, in one app you actually own.
The "system that does it all" isn't a slide. It's live software we build and run: real-time personnel accountability, incident reporting from the field, instant alerts, and multi-site dashboards, branded to your company.
- Real-time muster and headcount when it matters most
- Field incident and hazard reporting from any phone
- Instant mass alerts by text and push notification
- Multi-site dashboards and OSHA-style documentation
A certified safety professional who also builds the software.
"I get in the door by lowering what you pay, then I build the system that keeps it there. Same person, start to finish."
Dustin Smith is a Certified Safety Professional and licensed Texas property & casualty agent with 13 years across oil & gas, construction, wind & solar, manufacturing, and fleet. That combination, a credentialed safety expert who can also place your coverage and build your tools, is rare, and it's the whole point of State 28.
Don't take our word for it. Look up CSP #40734 and CHST #12972 in the BCSP directory, and TX P&C license #3527728 at the Texas Department of Insurance.
More about DustinThirteen years, real sites, real hazards.
Oil & gas, substations, construction, manufacturing, and utilities across the country. Not stock photos. Actual job sites.
Six ways we lower your cost and your risk.
EMR Reduction & Claims Control
Drive down your experience modifier and the premium that rides on it.
Learn moreSafety Management Systems
The full program that keeps your mod low, built and run for you.
Talk to DustinCustom Safety Apps
Branded safety software you own, on the App Store and Google Play.
Learn moreCommercial Insurance
Licensed P&C placement, paired with the safety work that lowers it.
Learn moreGeneral Safety Consulting
OSHA compliance, mock audits, claims defense, injury prevention.
Talk to DustinShort-Term Rental Inspections
Airbnb and VRBO safety inspections that protect owners and guests.
Talk to DustinBuilt for the high-hazard verticals where a lower mod is worth the most.
What contractors ask before the first call.
What is an EMR rating and why does it matter?
How much can a lower EMR actually save?
How long until I actually see the savings?
Why would a licensed insurance agent want to lower my premium?
Do you work outside of Texas?
What does a custom safety app include?
Start with a free EMR review.
See what a lower rate could save you, no obligation. Talk to Dustin directly.