Blog Archives

The Stakes: An ice cream manufacturer with 12 employees was carrying an Experience Mod of 1.9—more than triple the industry standard. Their premiums were frozen at a punitive rate, costing them tens of thousands annually. The Investigation: The Advisor audited the open claims and found a disturbing pattern: new hires were filing claims for pre-existing […]

The Stakes: A concrete manufacturer with $15M in revenue saw their Mod jump from a credit (0.90) to a debit (1.20). This seemingly small shift triggered a $12,000 annual premium hike, with no clear explanation. The Investigation: The Advisor conducted a forensic audit of the Mod data. They isolated the culprit: a severe leg injury […]

The Stakes: A public school system watched its Mod drift from 0.97 to 1.34 over five years, despite having no significant injuries. The taxpayers were footing the bill for $17,000 a year in unnecessary premiums. The Investigation: The Advisor discovered that the incumbent agent hadn’t visited the client in four years. Five open claims were […]

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 manufacturer with 175 employees was bleeding $80,000 a year in comp costs, averaging 35 claims annually. Their Mod was stuck at 1.12. The problem wasn’t the machinery; it was the culture. The Investigation: The Advisor interviewed the floor supervisors and found they had no idea how Workers’ Comp impacted the company’s bottom […]

The Stakes: A trucking company was paying an eye-watering $800,000 in premiums due to a high injury rate and a lack of light-duty options. Drivers were sitting at home collecting indemnity payments because they couldn’t drive, driving up the Mod. The Investigation: The Advisor looked for “hidden” jobs within the company. They noticed the company […]

The Stakes: Two Minor League baseball teams were struggling with high rates. The problem was structural: players injured late in the season would simply go home and collect Workers’ Comp all winter because the season was over, making “Return-to-Work” seem impossible. The Investigation: The Advisor realized that paying the players their relatively low minor-league wages […]

The Stakes: A glass manufacturer faced a $12,000 claim when an employee injured a shoulder. The doctor wrote a standard note: “Two weeks off duty.” This would have triggered an indemnity claim, hiking the Mod and premiums for three years. The Investigation: The Advisor saw a communication gap. The employee hadn’t told the doctor about […]

The Stakes: A scaffolding company saw claims spike from $45,000 to $107,000 in one year. Fraud was rampant, and the company had already wasted money on an external risk firm that delivered no results. The Investigation: The Advisor found a complete lack of controls. Employees were hired without screening, and there was no designated person […]

The Stakes: A rapidly growing nursing home group had acquired multiple companies over five years. The result was a data disaster: loss ratios hit 86%, and the Experience Mod contained $329,000 in errors because the various entities were never properly combined or rated. The Investigation: The Advisor determined the previous broker was “in over his […]