The Stakes: An ice cream manufacturer with 12 employees was carrying an Experience Mod of 1.9—more than triple the industry standard. Their premiums were frozen at a punitive rate, costing them tens of thousands annually.
The Investigation: The Advisor audited the open claims and found a disturbing pattern: new hires were filing claims for pre-existing soft tissue injuries almost immediately after starting work in the cold production areas. The company had no defense because they had no pre-employment screening.
The Breakthrough: The Advisor overhauled the HR process, implementing “post-offer” medical checks and partnering with an occupational physician who understood the physical demands of the job. They effectively screened out candidates who were physically unable to handle the cold environment before they joined the payroll.
The Result: Two major open claims were closed, and the Mod dropped to 0.80. The company saved between $60,000 and $85,000, allowing them to more than double their workforce to 26 employees.