Success Stories

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 social service agency with 390 employees across 22 locations was facing a crisis of frequency. In just six months, they racked up 27 claims totaling $89,000. The costs were bleeding the budget, and the sheer volume of...

The Stakes: A large multi-state developer was struggling with rising costs. Their massive insurance broker was too big to care about the details, failing to manage the complex web of claims across different state lines. The Experience Mod was climbing,...