INSURED Two Minor League Professional Baseball Teams   SITUATION Very high rates. The seasonality of the sport and the very low wages players receive relative to national averages acts as a deterrent for players to return to work, particularly when the injury is late in the season and players do not come back to work […]

INSURED The business is a commercial glass manufacturer that employs 40-50 workers.   SITUATION An employee suffered a shoulder injury while moving large plates of glass. The immediate medical diagnosis by the treating physician was for two weeks off duty. As a result, the employer was faced with a substantial indemnity claim and potential increase […]

INSURED This company employs over 50 people with locations in two states.   SITUATION The company experienced a substantial increase in claims activity in one year, going from $45,039 to $107,606. The majority of these claims were longstanding and many proved to be fraudulent in nature. The company hired an external risk management firm and […]

INSURED Located in Wisconsin, this auto repair business also does retail parts sales and auto dismantling. The company employs seven people.   SITUATION The Rating Board showed up unannounced to undertake a classification audit. The audit resulted in a re-classification of the business, moving the company into a higher risk bracket and potentially increasing its […]

INSURED A conglomerate of associated companies with several locations within one state.   SITUATION Over the course of five years, the company purchased multiple related companies. Numerous errors were made when combining the loss experience. Some were never combined with the parent and were issued their own rating, while others had multiple payroll and claims […]

INSURED The business is a non-profit outpatient, long-term care provider with a $20 million payroll for 512 employees spread over nine locations. The company assists elderly clients so that they are able to remain at home by either picking them up from their homes each day and bringing them to day-centers, or providing in-home nursing […]

INSURED The business is a local hauler that handles towing risks. It has 25 employees and does approximately $1.5 million per year in business.   SITUATION Following an audit of the insured’s Workers’ Comp policy, the company was charged an additional premium of $46,000. The company paid the first installment of the additional premium – […]

INSURED This printing company employs 85-90 people and has revenues estimated at $15 million.   SITUATION The employer was witnessing an increase in its Experience Mod and annual premiums.   ASSESSMENT The employer became increasingly dissatisfied with their current carrier because they felt their audits were incorrect. Recognizing the need to have an expert review […]

INSURED The insured is a large oil company making deliveries to area businesses, including five convenient stores/service stations that it owns. The company has 40 employees and estimated annual revenues in excess of $50 million.   SITUATION Following an audit, the insurance company attempted to charge the company for higher job classifications even though the […]