Success Stories

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...

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...

INSURED This printing company employs 85-90 people and has revenues estimated at $15 million. SITUATION The employer was witnessing an increase in its Experience Mod and annual premiums. ASSESSMENT The employer became increasingly dissatisfied with their current carrier because they...

INSURED The insured is a large oil company making deliveries to area businesses, including five convenient stores/service stations that it owns. The company has 40 employees and estimated annual revenues in excess of $50 million. SITUATION Following an audit, the...

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 of...

INSURED The insured is a family-owned trucking company with 20 employees. Its primary business is hauling dirt, sand and gravel, as well as landscape product sales. SITUATION In early April 2008, the insured received an additional premium from the 2006/07...

INSURED The insured is a demolition company specializing in interior non-structural demolition. It employs 100 workers. SITUATION The company, which performed work in three states—Maryland, Virginia and the District of Columbia—was given a premium that appeared to the client to...

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 reviewing the...

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 reasons...

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 the...