The Stakes: A printing company with $15M in revenue was watching its Mod climb to 1.30. They suspected their audits were wrong but didn’t have the technical knowledge to prove it.
The Investigation: The Advisor toured the facility and interviewed employees. They discovered the business itself was misclassified. The carrier had rated them as a general “Printing Operation,” ignoring the specific nuances of their machinery.
The Breakthrough: The Advisor proved the operation was actually “Sheet-Fed Printing,” a specific sub-category with a lower injury factor. They also implemented a Behavior-Based Safety program to tackle the high injury rate.
The Result: The reclassification triggered a $12,000 refund. Combined with the safety improvements, the annual premium dropped from $85,000 to $43,000—a 50% reduction.