INSURED This machine maintenance company employs 130 people in five states.   SITUATION Because the company is a multi-state risk, injury management was becoming a problem, especially since there was no onsite claims supervisor at any of the locations. The result was claims totaling $163,675 in 2005.   ASSESSMENT CWCAs reviewed the situation and determined […]

INSURED The insured is a social service agency with 390 employees in 22 locations.   SITUATION In one six-month period, this insured experienced 27 workers’ compensation claims totaling $89,000.   ASSESSMENT A Certified WorkComp Advisor (CWCA) looked into the situation and discovered supervisors played no role in managing their employees injuries. It was left to […]

INSURED A large multi-state owner/developer of residential and commercial property.   SITUATION The company was using a large insurance agency/broker who was having difficulty managing the company’s claims in a multi-state environment. This complexity requires expertise as well as the time and resources to provide an adequate service level. Unable to get a handle on […]

INSURED A school bus contractor with 30 drivers.   SITUATION The company was enrolled in a special state program for school bus operators that allowed it to receive a safety group dividend and preferred pricing on their Workers’ Compensation rates. Although the bus company didn’t file many claims, there were two or three claims–the result […]

INSURED A midsize masonry contractor.   SITUATION The masonry contractor was using a PEO (Professional Employer Organization) and was concerned what it was paying for Workers’ Comp was higher than that of its competitors. It was difficult for them to determine their rate because the payroll taxes, Workers’ Comp and additional fees were combined.   […]

INSURED A metal fabricator with 26 employees thatmanufactures metal sign-holders for various retailers.   SITUATION With no history of carpel tunnel issues, the insured experienced a rash of carpel tunnel injuries unexpectedly, with two in excess of $80,000. This drove the company’s Experience Mod up to 1.72 and resulted in the policy being canceled by […]

INSURED A large residential property company with more than 5,800 units encompassing 46 high-rise buildings and over 153 acres.   SITUATION The company was using a large insurance agency/broker that was lax in managing the company’s claims, resulting in a high Experience Mod of 1.65. The broker was not pro-active in managing past claims; no […]

INSURED The insured is a large community bank with 30 branches, 400 employees, and assets in excess of $850 million.   SITUATION A 12-year client, the bank had a comprehensive Workers’ Comp program and an excellent claims history, with an Experience Mod that averages between .80 and .85. Based on a verification process that included […]

INSURED A commercial general contractor.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor to 1.12, costing them an additional premium of $185,000 per year. It also restricted the company from bidding work for large corporations that required a 1.00 or lower Experience Mod.   ASSESSMENT The CWCA’s review of […]