INSURED This ice cream manufacturing and dairy operation have 16 full-time employees with revenues of $4,700,870. SITUATION The ice cream manufacturer was saddled with an Experience Mod of 1.698, more than three times the 0.65...

INSURED The insured is a contract hauler that services major building supply companies and contractor equipment dealers in 11 states. Annual gross revenues are in excess of $6,000,000. SITUATION The company’s Workers’ Compensation premium was...

INSURED The business is a masonry contractor with 30 employees.   SITUATION In a three-year span, incurred injury claims were $123,107. As a result, the employer saw the company’s experience modification factor (mod) rise 50%,...

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 the employer the true cost of the insurance company paying...

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 the carrier. Assessment Claims related to...

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...