Success Stories

The Stakes: An HVAC service company with $4M in sales was about to lose its crown jewel account: a national paper manufacturer. The manufacturer had a strict safety policy—they would not hire vendors with an Experience Mod over 1.0. The...

The Stakes: A chain of auto dealerships with 500 employees was bleeding cash. With over 100 claims a year and costs topping $900,000, their Experience Mod had hit 1.3. They were facing a further 10% hike at renewal, and the...

The Stakes: An ownership group running five hotels with 2,000 employees watched their premiums climb to $1.8 million. Because each hotel was rated independently, they were paying maximum retail rates, and ownership couldn't understand why costs were spiraling. The Investigation:...

The Stakes: An ice cream manufacturer was struggling with a Mod of 1.698—nearly three times the minimum. Claims were frequent and questionable, including a "dislocated shoulder" from simply exiting a truck. The premiums were eating into their dairy margins. The...

The Stakes: A multi-state contract hauler with $6M in revenue was paying $140,000 in premiums. Their Mod was hovering near 1.0, but the owner felt it should be lower given their recent safety improvements. The Investigation: The Advisor audited the...

The Stakes: A large community bank with $850 million in assets prided itself on financial accuracy. They expected their Experience Mod to be 0.838. But when the renewal came in, the Mod had inexplicably jumped, adding over $8,000 to their...