Success Stories

The Stakes: A water and sewer pump company was facing a Mod increase due to a single incident. An employee who had just returned from non-work gall bladder surgery suffered a herniation at the incision site while moving materials. It...

The Stakes: A non-profit school for challenged students faced a crisis: a 300% loss ratio and a Mod of 1.88. Their carrier of 45 years finally had enough and cancelled them. The only quote they could find was $500,000—nearly quadruple...

The Stakes: A wood products manufacturer had a stable workforce and good management, but they treated insurance as a passive bill. They assumed the carrier was handling the claims. The Investigation: The Advisor reviewed the loss runs and found the...

The Stakes: A machine maintenance company operating in five states was bleeding money—$163,675 in losses in a single year. The problem wasn't the work; it was the geography. With no central oversight, every injury was handled differently by local managers...

The Stakes: A social service agency with 390 employees across 22 locations was facing a crisis of frequency. In just six months, they racked up 27 claims totaling $89,000. The costs were bleeding the budget, and the sheer volume of...

The Stakes: A midsize masonry contractor was using a Professional Employer Organization (PEO) for payroll and insurance. They suspected they were overpaying, but the PEO’s invoices were a "black box"—bundling taxes, fees, and insurance into one lump sum that made...