Success Stories

The Stakes: A building material dealer with $30M in revenue was hit with a shock: their Experience Mod was spiking from 0.79 to 1.13. That meant a massive premium increase was coming, and they didn't know why. The Investigation: Most...

The Stakes: A residential framing contractor was blindsided by an $80,612 bill from their insurance carrier. It was a crippling blow caused by a routine audit and a mid-year mod change. Their existing broker offered zero help, leaving the owner...

The Stakes: A landscape contractor with 120 employees had just been acquired. The new owners expected some transition costs, but they didn't expect their Workers' Comp Experience Mod to inexplicably spike, driving premiums through the roof right after the purchase....

The Stakes: An office furniture manufacturer with $32M in revenue watched their Experience Mod creep up year after year, hitting 1.22. Their incumbent agent told them it was just "market trends" and "bad luck" with claims. The Investigation: The Advisor...

The Stakes: A grading contractor with 42 employees prided themselves on loyalty. They had been with the same broker for 21 years. But trust can sometimes lead to complacency. They assumed their broker was checking the math every year. The...

The Stakes: A commercial glass company with 40 employees was growing fast, but their premiums were growing faster. Their direct-writer agent (who worked for one specific carrier) insisted that their classification codes were correct. The Investigation: An Independent Advisor brought...