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Success Stories

Correcting misclassification a good sign for outdoor sign company

Posted on March 15, 2017 by webmaster

» Insured The insured is an outdoor sign company with fewer than 10 employees. The company’s annual revenue is just under $2,000,000. » Situation The company’s annual premium was extremely high based on the number of employees and the level of duties of the workers. Employees were either classified as working in the print shop… Continue reading →

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Local pro teams hit home run by saving $82,657 through agent

Posted on March 16, 2015 by webmaster

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 until… Continue reading →

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Trucking company on the right road by saving $20,000 in total premium

Posted on March 16, 2015 by webmaster

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 guard function, but… Continue reading →

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Educating supervisors cuts manufacturer’s costs by 96%

Posted on March 16, 2015 by webmaster

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 employer had… Continue reading →

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Supervisor training cuts claim frequency and cost

Posted on March 16, 2015 by webmaster

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 the employee… Continue reading →

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The case of the disappearing claims

Posted on March 16, 2015 by webmaster

PROBLEM This case involves a large fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements. The company’s Workers’ Comp claims amounted to $535,000. Much of the difficulty in managing the claims process resulted from the fact that the company operated crews… Continue reading →

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Correct medical diagnosis keeps employer from feeling the pain of a Mod increase

Posted on March 16, 2015 by webmaster

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 ties… Continue reading →

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On-the-Ball injury management lowers reserves and saves $$$

Posted on March 16, 2015 by webmaster

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 on claims… Continue reading →

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Electronics manufacturer saves $85,500 in 3 years

Posted on March 16, 2015 by webmaster

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 the severity… Continue reading →

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Implementation of zero lost time program lowers Mod & returns $177,840 to plumbing contractor

Posted on March 16, 2015 by webmaster

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 Experience Mod… Continue reading →

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