Trucking company on the right road by saving $20,000 in total premium

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 the employer the true cost of the insurance company paying an indemnity to injured employees.

SOLUTION
After reviewing the return-to-work options, the trucking company decided to no longer outsource its security guard function, but make it a “transitional duty” job. Injured workers sit in the booth and collect paper work from incoming trucks. Another light-duty job involves scanning the bar codes of boxes as they pass on a conveyor belt. By putting a chair on wheels, the employee simply sits and presses a button as the box goes by.

RESULT
Self-insuring the transitional duty on one case alone, the $4,000 in indemnity reduced the premium by $20,000 over a three-year period.