Blog Archives

The Stakes: A building material dealer with $30M in revenue was hit with a shock: their Experience Mod was spiking from 0.79 to 1.13. That meant a massive premium increase was coming, and they didn’t know why. The Investigation: Most agents would have just shopped the policy. The Advisor did the math. By conducting a […]

The Stakes: A residential framing contractor was blindsided by an $80,612 bill from their insurance carrier. It was a crippling blow caused by a routine audit and a mid-year mod change. Their existing broker offered zero help, leaving the owner feeling abandoned and desperate. The Investigation: A Master WorkComp Advisor stepped in to perform a […]

The Stakes: A landscape contractor with 120 employees had just been acquired. The new owners expected some transition costs, but they didn’t expect their Workers’ Comp Experience Mod to inexplicably spike, driving premiums through the roof right after the purchase. The Investigation: The carrier’s system had automatically linked the old owner’s claim history to the […]

The Stakes: A small, multi-state satellite installation company opened their mail to find a nightmare: a $499,916 audit bill. The auditor had reclassified their network of independent installers as full-time employees. For a company of their size, this bill wasn’t just expensive—it was an extinction-level event. The Investigation: Auditors often have to make quick judgment […]

The Stakes: An office furniture manufacturer with $32M in revenue watched their Experience Mod creep up year after year, hitting 1.22. Their incumbent agent told them it was just “market trends” and “bad luck” with claims. The Investigation: The Advisor knew that “bad luck” is often just “bad data.” They performed a line-by-line review of […]

The Stakes: A private practice of 30 speech pathologists was paying premiums that seemed astronomical for a “low risk” medical office. The system had lumped them into a generic, high-risk medical classification code. The Investigation: Classification codes are rigid, but the definitions in the NCCI Scopes Manual are specific. The Advisor noticed that the automated […]

The Stakes: An outdoor sign company with under 10 employees was paying an unusually high premium given their revenue. The incumbent broker had simply assigned the “Sign Installation” code to the entire policy—a common default for the industry. The Investigation: The Advisor interviewed the staff to understand their actual daily duties. They discovered that while […]

The Stakes: A grading contractor with 42 employees prided themselves on loyalty. They had been with the same broker for 21 years. But trust can sometimes lead to complacency. They assumed their broker was checking the math every year. The Investigation: When a Certified WorkComp Advisor (CWCA) offered a second opinion, they didn’t find “bad” […]

The Stakes: A school for special-needs children was in crisis. With a 1.88 Mod and a staggering 300% loss ratio, their carrier of 45 years dropped them. They were effectively uninsurable because they were paying out three times more in claims than they paid in premiums. The Investigation: The issue wasn’t the children; it was […]

The Stakes: A commercial glass company with 40 employees was growing fast, but their premiums were growing faster. Their direct-writer agent (who worked for one specific carrier) insisted that their classification codes were correct. The Investigation: An Independent Advisor brought a fresh set of eyes. They reviewed the NCCI Scopes Manual regarding glass merchants versus […]