Success Stories

INSURED Building Material Dealer employing approximately 50 employees and doing $30 Million/year in annual Revenues. SITUATION Insureds new experience mod was released for the upcoming year and found that their mod would be increasing from 0.79 to a 1.13 which...

INSURED Residential Framing Contractor paying $112k/year in workers compensation premium. SITUATION Insured had received an $80,612 bill from their insurance carrier due to a prior year audit and a mid-year experience mod change. Insured was stressed and felt like they...

INSURED This major landscape contractor servicing commercial properties employs 120 people and does $19 million in annual revenues.   SITUATION A year after purchasing the company, the insured was concerned why, as a relatively new business, its Experience Mod was...

INSURED A multi-state satellite installation company with 36 employees. SITUATION The company unexpectedly received a $499,916 audit premium notice. The previous premium was $13,530. ASSESSMENT In reviewing the audit, CWCAs from Trissel, Graham, and Toole discovered that the auditor had...

INSURED This assembler of office furniture employs 86 and has revenues in excess of $32 million annually. SITUATION The employer saw its Experience Mod escalating steadily up to 1.22. ASSESSMENT The CWCAs found one reason for the increase in the...

INSURED This employer is a privately owned practice of speech-language pathologists, servicing various medical and academic settings. The company employs upwards of 30 people. SITUATION The company was experiencing abnormally high premiums due to a SCOPES (rating bureau’s manual of...

INSURED The insured is an outdoor sign company with fewer than 10 employees. The company’s annual revenue is just under $2,000,000. SITUATION The company’s annual premium was extremely high based on the number of employees and the level of duties...

INSURED This grading contractor employs 42 people with annual revenues of approximately $3 million. SITUATION The company had been with the same broker for 21 years. The broker had never audited or verified the insured’s Experience Modification Factor and routinely...

INSURED School for "Exceptional Children" (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. SITUATION 1.88 experience mod, 300% loss ratio, which means the insurance company paid out to doctors, pharmacies, and other medical providers three times more...

INSURED This company specializes in glass for commercial entrances and storefronts, construction glazing and retail glass sales. With 40 employees, the company has sales revenue in 2005 of approximately $2.5 million. Situation The CWCAs began insuring this client in 1995....