INSURED The business is a masonry contractor with 30 employees. SITUATION In a three-year span, incurred injury claims were $123,107. As a result, the employer saw the company’s experience modification factor (mod) rise 50%, from 0.91 to 1.37. ASSESSMENT The...

INSURED The insured is a large non-profit school for physically and mentally-challenged students.   SITUATION The school was being cancelled by its existing carrier of 45 years because of a poor history resulting in a 300% loss ratio and a...

INSURED The insured is a wood products manufacturing company that employs more than 40 people divided into three work classes – sash/door/assembly millwork, sales people and clerical. The company works one shift, has a very stable workforce and consistently produces...

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...

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...

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...

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....

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...

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...

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...

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...

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...

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...

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...

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....

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...

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...

INSURED The insured is a manufacturer with 25 employees and annual revenues of $25 million.   SITUATION The company experienced a spike in its Experience Mod and a corresponding increase in its premiums. Premiums were increasing at a disturbing rate...

INSURED The insured is a company, with 1,100 employees and more than $100 million in revenues.   SITUATION The company's Workers' Comp-related costs were growing steadily at a rate of 30% per year over a three-year period.   ASSESSMENT In...

INSURED The company, a wholesaler specializing in mailing parts, employs 50 workers.   SITUATION Traditionally, the company had a low Experience Mod, but was now looking at a potential leap from .92 to 1.15. The company did not understand the...

INSURED A commercial roofing company that employs more than 200 people and has approximately $15 million in annual revenue.   SITUATION The company saw its Experience Modification Factor reach as high as 1.0. In addition to increased premiums, there was...

INSURED A distribution company with 450 employees.   SITUATION Since the company's Experience Modification Factor reached an alarming 2.04, they were placed in the state's assigned risk pool, as well as assessed ARAP surcharges.   ASSESSMENT CWCAs worked closely with...

INSURED A manufacturer with 170 employees.   SITUATION The company's claims costs, which had traditionally been increasing at the rate of 7-8% annually, were suddenly going up over 20% annually.   ASSESSMENT A CWCA reviewed all open and prior injury...

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...

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...

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...

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...