7 Secrets that Cost Your Client a Bundle on their Workers' Comp

Experience Mod audit lowers Mod 17 points & returns $33,150 to grading contractor

INSURED This grading contractor employs 42 people with annual revenues of approximately $3 million. SITUATION The company had been with the same broker for 21 years. The broker had never audited or verified the insured’s Experience Modification Factor and routinely...

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Glass Company discovers value of Independent Agent

INSURED This company specializes in glass for commercial entrances and storefronts, construction glazing and retail glass sales. With 40 employees, the company has sales revenue in 2005 of approximately $2.5 million. Situation The CWCAs began insuring this client in 1995....

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Error in classification ruling nearly costs auto repair company thousands in higher premiums

7 years, 2 months ago ,

INSURED Located in Wisconsin, this auto repair business also does retail parts sales and auto dismantling. The company employs seven people. SITUATION The Rating Board showed up unannounced to undertake a classification audit. The audit resulted in a re-classification of...

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HVAC company quantifies Mod, saves business

INSURED The insured is an HVAC service company with approximately 23 employees and estimated sales of $4 million. SITUATION The company was in serious danger of losing one of its biggest accounts, a leading national paper manufacturer. The paper manufacturer...

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Correct medical diagnosis keeps employer from feeling the pain of a Mod increase

7 years, 2 months ago ,

INSURED The insured is a water and sewer pump company and employs 27. There are additional employees in two other states.  SITUATION An employee had undergone gall bladder surgery. He was released back to work full duty (without restrictions) three...

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Combining hotels saves owner $823,000 and lowers Experience Mod

INSURED Five hotels, under a single ownership. The company employs more than 2,000 with premiums in excess of $1.8 million. SITUATION The company’s Experience Modification Factor and premiums had climbed steadily and ownership was unaware as to why they were...

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