The Stakes: A chain of auto dealerships with 500 employees was bleeding cash. With over 100 claims a year and costs topping $900,000, their Experience Mod had hit 1.3. They were facing a further 10% hike at renewal, and the sheer volume of accidents suggested a culture out of control.
The Investigation: The Advisor found a chaotic system. There was no “Return-to-Work” plan, and the dealership was relying entirely on their insurance carrier for safety protocols—a passive strategy that clearly wasn’t working.
The Breakthrough: The Advisor didn’t just tweak the policy; they overhauled the process. They implemented a comprehensive injury management system, defining exactly where employees went for medical care and identifying “light duty” roles to get them back to work instantly.
The Result: The impact was immediate. In year one, claims dropped 70%. By year two, they went eight months with zero lost workdays. Total savings to date: over $2 million.