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 glaziers.
The Breakthrough: They discovered that the “Drivers” code had been applied incorrectly to employees who rarely drove. The direct-writer agent, limited by their carrier’s specific guidelines, hadn’t explored the flexibility allowed by the Rating Bureau for splitting these duties.
The Result: The policy was moved to a carrier that understood the nuance, correcting the codes and saving the client $10,000 annually.