The Stakes: A large trucking company with 1,100 employees was seeing costs rise 30% year after year. Their premium had hit $1 million. High turnover meant constant training gaps, leading to more accidents.
The Investigation: The Advisor identified that “HR issues” were actually “Risk issues.” The high turnover was distracting managers from safety, and there was no “Return-to-Work” plan to stop the bleeding.
The Breakthrough: The Advisor didn’t just sell insurance; they helped fix the hiring process. They implemented a driver wellness program to reduce turnover and a strict “Return-to-Work” policy to manage injuries.
The Result: Over three years, the Mod dropped from 1.3 to 0.63. The premium fell from $1 million to $463,000—less than half the original cost.