INSURED An independent grocery store that employees 500 people with annual revenues of $20 million.   SITUATION The employer had a large open claim reserve of $140,000 as a result of a back injury to an employee. There was also a possibility of litigation as a result of the injury.   ASSESSMENT CWCAs explained to […]

INSURED The insured is a large trucking and excavating company with a fleet of 50 trucks, 90 employees and $10 million in annual revenues.   SITUATION The company had large open claims that negatively impacted its Experience Mod. The current agent was not vigilant in identifying or monitoring the claims.   ASSESSMENT In reviewing the […]

INSURED An ice cream manufacturer with 12 employees and revenues of $2.8 million.   SITUATION The company had an Experience Mod of 1.9, which was more than three times what it should be.   ASSESSMENT A team of CWCAs reviewed the business. They determined that the elevated Mod was due to several open claims, which […]

INSURED This free-cast prestressed concrete manufacturer and contractor has annual revenues of nearly $15 million and employs 60 people.   SITUATION The company, which traditionally had an Experience Modification Factor in the .89 to .90 range, saw a rise to 1.2. This resulted in the company going from a credit experience modification factor (under 1.0) […]

INSURED School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members.   SITUATION 1.88 experience mod, 300% loss ratio, which means the insurance company paid out to doctors, pharmacies, and other medical providers three times more than the premium paid to the insurance company by the School. Based on that […]

INSURED A public school system with 150 employees.   SITUATION The school system’s Experience Modification Factor escalated over the past five years, from as low as 0.97 to a high of 1.34, though it had experienced no significant workplace injuries during that time.   ASSESSMENT CWCAs investigated the situation and discovered that the previous agent […]

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 manufacturing company with 175 employees.   SITUATION The employer’s average annual Workers’ Comp costs were in excess of $80,000 per year. During that same period, the manufacturer averaged 35 claims per year, causing the Experience Mod to rise to 1.12.   ASSESSMENT CWCAs reviewed the client’s Workers’ Comp program. They found that the […]

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity to injured employees.   SOLUTION After reviewing the return-to-work options, the trucking company decided to no longer outsource its security […]