Blog Archives

The Stakes: A social service agency with 390 employees across 22 locations was facing a crisis of frequency. In just six months, they racked up 27 claims totaling $89,000. The costs were bleeding the budget, and the sheer volume of injuries suggested a systemic failure. The Investigation: The Advisor audited the internal process and found […]

The Stakes: A large multi-state developer was struggling with rising costs. Their massive insurance broker was too big to care about the details, failing to manage the complex web of claims across different state lines. The Experience Mod was climbing, and the client felt ignored. The Investigation: The Advisor performed a multi-state audit of the […]

The Stakes: A school bus contractor with 30 drivers thought they had a great deal: a state program offering dividends and preferred pricing. But when a few accidents spiraled out of control, their Mod jumped to 1.079. The program that was supposed to save them money hit them with a 240% surcharge and then dropped […]

The Stakes: A midsize masonry contractor was using a Professional Employer Organization (PEO) for payroll and insurance. They suspected they were overpaying, but the PEO’s invoices were a “black box”—bundling taxes, fees, and insurance into one lump sum that made comparison impossible. The Investigation: The Advisor cracked the code. They analyzed the invoices and mathematically […]

The Stakes: A metal fabricator was suddenly hit with a rash of carpal tunnel claims, including two costing over $80,000. Their Experience Mod skyrocketed to 1.72, and their carrier cancelled them. The company was facing an existential threat from spiraling premiums. The Investigation: The Advisor analyzed the claims and found a pattern. The first claim […]

The Stakes: A massive residential property company with 5,800 units was stuck with a high Mod of 1.65. Their large broker had been asleep at the wheel, failing to perform a Mod review since 2002. The client felt the service was inadequate but didn’t know how to prove it . The Investigation: The Advisor didn’t […]

The Stakes: A large community bank with $850 million in assets prided itself on financial accuracy. They expected their Experience Mod to be 0.838. But when the renewal came in, the Mod had inexplicably jumped, adding over $8,000 to their premium . The Investigation: The Advisor verified the worksheet and found a discrepancy. A large […]

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 […]

The Stakes: An independent grocery store with $20M in revenue was facing a Mod increase from 0.94 to 1.06. The cause was a single large open claim with a $140,000 reserve for a back injury, with the threat of litigation looming . The Investigation: The Advisor knew that timing is everything. The Rating Bureau takes […]

The Stakes: A trucking and excavating company with 50 trucks was suffering from a high Mod. The culprit was a massive $304,138 reserve left over from a prior insurance carrier. The current agent ignored it, assuming nothing could be done about an old claim . The Investigation: The Advisor reviewed the medical notes and found […]