INSURED The insured is a regional social services agency providing day habilitation, vocational, residential, and evaluation services to approximately disadvantaged adults. With a payroll of $9,000,000 for 315 employees, they operate eight day-habilitation facilities and 16 residential programs in which consumers live independently, with employees visiting their residences daily to provide needed services. The organization […]

INSURED This 22-year-old company reported sales in 2004 of $6.1 million and a payroll of $1,156,808. The company designs, sells and leases trailers, modular buildings and storage containers for mobile offices at construction sites, concession stands, sales offices for developers, and alternative accommodations during reconstruction.   SITUATION The CWCA performed a detailed review of the […]

INSURED This plastics manufacturer has 78 full-time employees and reports revenues of $22 million. The company manufactures plastic bags for industrial, commercial and residential use.   SITUATION With an Experience Mod already at 1.35, more than twice the 0.65 minimum level, the employer was notified of another 25% increase in the Mod, which would raise […]

INSURED The company is a manufacturer of modular homes with more than 40 employees.   SITUATION The company’s Experience Modification Factor had climbed steadily to 1.07 and management did not understand why.   ASSESSMENT CWCAs were called in to review the claims after one of the owners attended a Workers’ Compensation cost reduction workshop sponsored […]

INSURED The insured is a residential plumbing contractor with 265 employees.   SITUATION The company was in a transitional stage causing a higher-than-average claims activity. The result was a large number of open claims that included indemnity and an Experience Mod of .98 and rising.   ASSESSMENT CWCAs reviewed the situation and realized that the […]

INSURED The business is an electronics manufacturer that employs 110 workers.   SITUATION After splitting from a large national manufacturer, the company saw its Mod jump to 1.45, causing uncompetitive labor costs and a loss of profitability.   ASSESSMENT It was determined that the increase in the Mod was a result of an increase in […]

INSURED The insured is a new home construction contractor.   SITUATION An employee suffered a laceration to his finger while using a saw. The carrier set the highest possible reserves for disfigurement, permanent loss of use, and temporary disability warranted for this type of injury.   ASSESSMENT Knowing that insurance company routinely set high reserves […]

INSURED The insured is a water and sewer pump company and employs 27. There are additional employees in two other states.   SITUATION An employee had undergone gall bladder surgery. He was released back to work full duty (without restrictions) three weeks later. On his second day back to work, employee was moving some cross […]

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an additional premium of $185,000 per year. It also restricted them from bidding work for large corporations that required a 1.00 […]