Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...

Recently, a Certified Workers’ Comp Advisor (CWCA), wrote Work Comp for two minor league professional baseball teams. Neither team knew the truth about the Work Comp system. The teams had very special circumstances due to...

INSURED Trucking Company   SITUATION High rate and large number of employee injuries – $800,000 premium   ASSESSMENT No return-to-work program. Analyzed claims and showed employer the true cost of the insurance company paying indemnity...

Case Study #1 Insured School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. Situation 1.88 experience mod, 300% loss ratio and dropped by carrier. Assessment Claims related to interaction...

Insured The business is a masonry contractor located in Buffalo, MN, with 30 employees and annual revenue in excess of $3 million (2004). The company constructs residential brick walls, patios, sidewalks, floors and driveways Situation In a...

INSURED This case involves a Southern California fit and finish contractor with a $1.2 million Workers’ Compensation annual premium. Because of financial issues, the company does not meet self-insurance requirements.   SITUATION In 2003, the...

INSURED A manufacturing company with 175 employees, total salaries of $6.6 million and annual revenue of $14 million in 2005.   SITUATION From 2000 to 2006, the employer’s average annual Workers’ Comp costs were in...

INSURED The insured is a water and sewer pump company and employs 27, locally. There are additional employees in two other states as well.   SITUATION An employee had undergone gall bladder surgery in late...

INSURED The insured is a new home 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,...

INSURED The insured is a social service agency with 390 employees in 22 locations. The organization provides occupational training and habilitation services to developmentally disabled adults.   SITUATION In one six-month period, the employer experienced...

INSURED A commercial general contractor with 110 employees and revenue of $52 million in 2006.   SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor jumped to 1.12, costing them an...