Success Stories

The Stakes: A grading contractor with 42 employees prided themselves on loyalty. They had been with the same broker for 21 years. But trust can sometimes lead to complacency. They assumed their broker was checking the math every year. The...

The Stakes: A commercial glass company with 40 employees was growing fast, but their premiums were growing faster. Their direct-writer agent (who worked for one specific carrier) insisted that their classification codes were correct. The Investigation: An Independent Advisor brought...

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 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:...