Real Results. Real Refunds.

The Stakes: A Wisconsin auto repair business with seven employees faced a sudden financial threat. An unannounced audit by the Rating Board resulted in a reclassification from "Auto Repair" to the much higher-risk "Auto Dismantling." This ruling was set to...

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: 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: 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 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...