The Stakes: A commercial roofing company hit a Mod of 1.0. This was the “death zone” for a subcontractor—general contractors generally won’t hire anyone with a Mod of 1.0 or higher. They were losing business fast.
The Investigation: The Advisor found two major open claims—one for $30,000 (hand) and one for $70,000 (knee)—that were stagnating because general practitioners were treating them passively.
The Breakthrough: The Advisor moved the care to occupational specialists who focused on recovery. They implemented a strict “Return-to-Work” policy that forced those claims to close.
The Result: The Mod plummeted to an incredible 0.49. The premium dropped from $300,000 to $200,000, and the company became the most attractive bidder in the market.