The Stakes: An ice cream manufacturer was struggling with a Mod of 1.698—nearly three times the minimum. Claims were frequent and questionable, including a “dislocated shoulder” from simply exiting a truck. The premiums were eating into their dairy margins.
The Investigation: The Advisor conducted a forensic interview of the hiring process. They discovered the root cause wasn’t the machinery; it was the people. The company had no screening process for claim-prone hires and no culture of safety.
The Breakthrough: The Advisor installed a complete risk management infrastructure: a hiring protocol to screen candidates, a safety committee to engage workers, and an aggressive “Recovery-at-Work” program to stop paid time off abuse.
The Result: Over two years, the Mod melted away. Even as payroll grew by 25%, Workers’ Comp premiums dropped from $48,000 to $28,000, and the company went down to a single minor claim.