Success stories

School goes to head of the class by recovering $32,000 on audit

4 years, 2 months ago

INSURED School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. SITUATION 1.88 experience mod, 300% loss ratio, which means the insurance company paid out to doctors, pharmacies, and other...

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School System Learns a Lesson in How to Reduce its MOD

4 years, 2 months ago

INSURED A public school system with 150 employees. SITUATION The school system’s Experience Modification Factor escalated over the past five years, from as low as 0.97 to a high of 1.34, though it had experienced...

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Educating supervisors cuts manufacturer’s costs by 96%

4 years, 2 months ago

INSURED A manufacturing company with 175 employees.   SITUATION The employer’s average annual Workers’ Comp costs were in excess of $80,000 per year. During that same period, the manufacturer averaged 35 claims per year, causing...

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Manufacturer avoids loss through Recovery-at-Work program

4 years, 2 months ago

INSURED The business is a commercial glass manufacturer that employs 40-50 workers.   SITUATION An employee suffered a shoulder injury while moving large plates of glass. The immediate medical diagnosis by the treating physician was...

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Large scaffolding company embraces change

4 years, 2 months ago

INSURED This company employs over 50 people with locations in two states.   SITUATION The company experienced a substantial increase in claims activity in one year, going from $45,039 to $107,606. The majority of these...

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

4 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...

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Nursing Home conglomerate saves $350,000

4 years, 2 months ago

INSURED A conglomerate of associated companies with several locations within one state.   SITUATION Over the course of five years, the company purchased multiple related companies. Numerous errors were made when combining the loss experience....

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Class audits & improved management cut care provider’s Mod 44%

4 years, 2 months ago

INSURED The business is a non-profit outpatient, long-term care provider with a $20 million payroll for 512 employees spread over nine locations. The company assists elderly clients so that they are able to remain at...

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Audit of audit finds incorrect change in classification, nets $41K

4 years, 2 months ago

INSURED The business is a local hauler that handles towing risks. It has 25 employees and does approximately $1.5 million per year in business. SITUATION Following an audit of the insured’s Workers’ Comp policy, the...

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Incorrect audits drive up rates for printing company

4 years, 2 months ago

INSURED This printing company employs 85-90 people and has revenues estimated at $15 million. SITUATION The employer was witnessing an increase in its Experience Mod and annual premiums. ASSESSMENT The employer became increasingly dissatisfied with...

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