Real Results. Real Refunds.

The Stakes: A non-profit distribution company with 450 employees was in dire straits. Their Experience Mod had hit a punishing 2.04, forcing them into the state's "assigned risk pool" and triggering heavy ARAP surcharges. The Investigation: The Advisor audited the...

The Stakes: An auto parts manufacturer with 170 employees saw their claims costs spiking. What had been a manageable 7% annual increase suddenly jumped to over 20%, threatening profitability. The Investigation: The Advisor walked the factory floor and reviewed the...

The Stakes: A family-owned business with 15 employees saw their Experience Mod inexplicably jump from 0.99 to 1.27. There were no major accidents to explain the increase, but the premium hike was real. The Investigation: The Advisor compared the WCIRB...

The Stakes: A social services agency with 315 employees was watching their Mod climb to 1.85. Management felt the system was "out of control." They had no idea why premiums were soaring, only that they couldn't stop it. The Investigation:...

The Stakes: A leasing company for construction trailers expected a Mod of 0.90 based on their safety record. But when the official worksheet arrived from the Rating Bureau, the Mod was set at 0.97—a costly difference. The Investigation: Most agents...

The Stakes: A plastics manufacturer was facing a financial cliff. Their Mod was already 1.35, and a new hike was about to push it to 1.685, adding $78,000 to their bill. Their average annual injury costs were over $200,000. The...

The Stakes: A modular home manufacturer saw their Mod creeping up to 1.07. They couldn't understand why small claims were having such a big impact. The Investigation: The Advisor reviewed the claim files and found a coding error. A series...

The Stakes: A plumbing contractor with 265 employees was struggling with a Mod of 0.98. The issue wasn't just the number of claims; it was "malingering"—employees staying home longer than necessary. 80% of their claims included indemnity payments. The Investigation:...

The Stakes: An electronics manufacturer spun off from a national parent company and immediately saw their Mod spike to 1.45. The culprit? Severe repetitive injuries to hands and wrists from light assembly work. The Investigation: The Advisor found that the...

The Stakes: A new home construction employee suffered a finger laceration. It was a bad cut, but the insurance carrier reacted by setting the reserves at the absolute maximum—accounting for potential disfigurement and permanent loss of use. The Investigation: The...