INSURED This chain of full-service automobile dealerships employs more than 500 people divided into three work classes – dealer, auto sales people and clerical. The company does more than $250 million in business.   SITUATION The frequency and severity of claims being incurred by the employer were staggering. It had experienced more than 100 claims […]

INSURED Five hotels, under a single ownership. The company employs more than 2,000 with premiums in excess of $1.8 million.   SITUATION The company’s Experience Modification Factor and premiums had climbed steadily and ownership was unaware as to why they were seeing such high costs.   ASSESSMENT Certified WorkComp Advisors did an analysis and discovered […]

INSURED This ice cream manufacturing and dairy operation have 16 full-time employees with revenues of $4,700,870.   SITUATION The ice cream manufacturer was saddled with an Experience Mod of 1.698, more than three times the 0.65 minimum mod. Five job-related injury claims cost the employer more than $53,000, including one when an employee claimed to […]

INSURED The insured is a contract hauler that services major building supply companies and contractor equipment dealers in 11 states. Annual gross revenues are in excess of $6,000,000.   SITUATION The company’s Workers’ Compensation premium was $140,000 and the Experience Mod was .96, predominantly a result of claims in two states.   ASSESSMENT CWCAs reviewed […]

INSURED A multi-state satellite installation company with 36 employees.   SITUATION The company unexpectedly received a $499,916 audit premium notice. The previous premium was $13,530.   ASSESSMENT In reviewing the audit, CWCAs from Trissel, Graham, and Toole discovered that the auditor had ruled that the company’s independent contractors—working in more than ten states— were actually […]

INSURED This employer is a privately owned practice of speech-language pathologists, servicing various medical and academic settings. The company employs upwards of 30 people.   SITUATION The company was experiencing abnormally high premiums due to a SCOPES (rating bureau’s manual of business classifications) Manual classification code rate of 2.90, which seemed extremely high for such […]

INSURED The insured is an outdoor sign company with fewer than 10 employees. The company’s annual revenue is just under $2,000,000.   SITUATION The company’s annual premium was extremely high based on the number of employees and the level of duties of the workers. Employees were either classified as working in the print shop or […]

INSURED The insured is a large non-profit school for physically and mentally-challenged students.   SITUATION The school was being cancelled by its existing carrier of 45 years because of a poor history resulting in a 300% loss ratio and a mod tipping 1.88.   ASSESSMENT It was determined that the situation was predicated on a […]

INSURED The insured is a wood products manufacturing company that employs more than 40 people divided into three work classes – sash/door/assembly millwork, sales people and clerical. The company works one shift, has a very stable workforce and consistently produces a high quality product.   SITUATION Although the company has a highly competent management team, […]