INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, 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 […]

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by the carrier. Assessment Claims related to interaction with the children when they have an episode. Most were soft tissue injuries. There was no return to work program […]