Success Stories

The Stakes: An independent grocery store with $20M in revenue was facing a Mod increase from 0.94 to 1.06. The cause was a single large open claim with a $140,000 reserve for a back injury, with the threat of litigation...

The Stakes: A trucking and excavating company with 50 trucks was suffering from a high Mod. The culprit was a massive $304,138 reserve left over from a prior insurance carrier. The current agent ignored it, assuming nothing could be done...

The Stakes: An ice cream manufacturer with 12 employees was carrying an Experience Mod of 1.9—more than triple the industry standard. Their premiums were frozen at a punitive rate, costing them tens of thousands annually. The Investigation: The Advisor audited...

The Stakes: A concrete manufacturer with $15M in revenue saw their Mod jump from a credit (0.90) to a debit (1.20). This seemingly small shift triggered a $12,000 annual premium hike, with no clear explanation. The Investigation: The Advisor conducted...

The Stakes: A public school system watched its Mod drift from 0.97 to 1.34 over five years, despite having no significant injuries. The taxpayers were footing the bill for $17,000 a year in unnecessary premiums. The Investigation: The Advisor discovered...

The Stakes: A non-profit care provider with 512 employees and a $20 million payroll was being crushed by a Mod of 1.71. Their premium stood at $321,734, diverting funds that should have gone to elder care. The Investigation: The Advisor...