The Stakes: A scaffolding company saw claims spike from $45,000 to $107,000 in one year. Fraud was rampant, and the company had already wasted money on an external risk firm that delivered no results.
The Investigation: The Advisor found a complete lack of controls. Employees were hired without screening, and there was no designated person managing injuries. The company was an easy target for fraudulent claims.
The Breakthrough: The Advisor built an “Injury Management Team” inside the company. They implemented criminal record checks and conditional employment offers. Crucially, they audited the carrier’s files and found five recoveries (money paid back to the carrier) that hadn’t been credited to the client’s account.
The Result: Reserves were reduced by $103,000. The Mod dropped 2 points. And the company, now able to pass strict safety vetting, began winning better contracts.