The Stakes: A commercial general contractor was being shut out of lucrative jobs. Large corporations required a Mod of 1.0 or lower to bid, but this contractor was stuck at 1.12 due to a 62% surcharge. They were losing $185,000 a year in extra premiums and untold millions in lost contracts.
The Investigation: The Advisor reviewed the OSHA logs and loss data. They showed the owner the brutal math: for every $1 the insurance company paid in claims, the contractor was paying back $3 in premiums.
The Breakthrough: The Advisor became the contractor’s outsourced risk manager. They installed a safety committee, set up an occupational medical relationship, and initiated a wellness process. They didn’t just sell insurance; they ran the department.
The Result: The Mod dropped to a pristine 0.69. The contractor saved $245,302 over four years and, more importantly, regained the ability to bid on and win major corporate projects.