The Carpal Tunnel Crisis
The Stakes: A metal fabricator was suddenly hit with a rash of carpal tunnel claims, including two costing over $80,000. Their Experience Mod skyrocketed to 1.72, and their carrier cancelled them. The company was facing an existential threat from spiraling...
Continue ReadingWinning the Bid
The Stakes: A commercial general contractor was being shut out of lucrative jobs. Large corporations required a Mod of 1.0 or lower to bid, but this contractor was stuck at 1.12 due to a 62% surcharge. They were losing $185,000...
Continue ReadingThe “Silent” Supervisor Problem
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...
Continue ReadingThe 96% Drop
The Stakes: A manufacturer with 175 employees was bleeding $80,000 a year in comp costs, averaging 35 claims annually. Their Mod was stuck at 1.12. The problem wasn't the machinery; it was the culture. The Investigation: The Advisor interviewed the...
Continue ReadingThe “Security Guard” Solution
The Stakes: A trucking company was paying an eye-watering $800,000 in premiums due to a high injury rate and a lack of light-duty options. Drivers were sitting at home collecting indemnity payments because they couldn't drive, driving up the Mod....
Continue ReadingThe Seasonality Loophole
The Stakes: Two Minor League baseball teams were struggling with high rates. The problem was structural: players injured late in the season would simply go home and collect Workers' Comp all winter because the season was over, making "Return-to-Work" seem...
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