7 Secrets that Cost Your Client a Bundle on their Workers' Comp

School System Learns a Lesson in How to Reduce its MOD

INSURED A public school system with 150 employees. SITUATION The school system’s Experience Modification Factor escalated over the past five years, from as low as 0.97 to a high of 1.34, though it had experienced no significant workplace injuries during...

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Supervisor training cuts claim frequency and cost

3 years, 8 months ago ,

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...

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Educating supervisors cuts manufacturer’s costs by 96%

3 years, 8 months ago ,

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...

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

3 years, 8 months ago ,

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...

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

3 years, 8 months ago ,

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...

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Manufacturer avoids loss through Recovery-at-Work program

3 years, 8 months ago

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...

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Large scaffolding company embraces change

3 years, 8 months ago ,

INSUREDThis company employs over 50 people with locations in two states. SITUATIONThe 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...

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Nursing Home conglomerate saves $350,000

3 years, 8 months ago ,

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...

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Class audits & improved management cut care provider’s Mod 44%

3 years, 8 months ago ,

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...

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Audit of audit finds incorrect change in classification, nets $41K

3 years, 8 months ago ,

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...

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