Success Stories

INSURED A distribution company with 450 employees. SITUATION Since the company's Experience Modification Factor reached an alarming 2.04, they were placed in the state's assigned risk pool, as well as assessed ARAP surcharges. ASSESSMENT CWCAs worked closely with the company...

INSURED A manufacturer with 170 employees. SITUATION The company's claims costs, which had traditionally been increasing at the rate of 7-8% annually, were suddenly going up over 20% annually. ASSESSMENT A CWCA reviewed all open and prior injury claims, analyzed...

INSURED A company, with 15 employees, reports $2 million in sales and is one of several businesses owned by various members of the same family. SITUATION The employer's Experience Modification jumped, for no obvious reason, from 0.99 to 1.27. The...

INSURED The insured is a regional social services agency providing day habilitation, vocational, residential, and evaluation services to approximately disadvantaged adults. With a payroll of $9,000,000 for 315 employees, they operate eight day-habilitation facilities and 16 residential programs in which...

INSURED This 22-year-old company reported sales in 2004 of $6.1 million and a payroll of $1,156,808. The company designs, sells and leases trailers, modular buildings and storage containers for mobile offices at construction sites, concession stands, sales offices for developers,...

INSURED This plastics manufacturer has 78 full-time employees and reports revenues of $22 million. The company manufactures plastic bags for industrial, commercial and residential use. SITUATION With an Experience Mod already at 1.35, more than twice the 0.65 minimum level,...

INSURED The company is a manufacturer of modular homes with more than 40 employees. SITUATION The company’s Experience Modification Factor had climbed steadily to 1.07 and management did not understand why. ASSESSMENT CWCAs were called in to review the claims...

INSURED The insured is a residential plumbing contractor with 265 employees. SITUATION The company was in a transitional stage causing a higher-than-average claims activity. The result was a large number of open claims that included indemnity and an Experience Mod...

INSURED The business is an electronics manufacturer that employs 110 workers. SITUATION After splitting from a large national manufacturer, the company saw its Mod jump to 1.45, causing uncompetitive labor costs and a loss of profitability.  ASSESSMENT It was determined...

INSURED The insured is a new home construction contractor.  SITUATION An employee suffered a laceration to his finger while using a saw. The carrier set the highest possible reserves for disfigurement, permanent loss of use, and temporary disability warranted for...