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...

INSURED A multi-state satellite installation company with 36 employees. SITUATION The company unexpectedly received a $499,916 audit premium notice. The previous premium was $13,530. ASSESSMENT In reviewing the audit, CWCAs from Trissel, Graham, and Toole...

INSURED This employer is a privately owned practice of speech-language pathologists, servicing various medical and academic settings. The company employs upwards of 30 people. SITUATION The company was experiencing abnormally high premiums due to a...

INSURED The insured is an outdoor sign company with fewer than 10 employees. The company’s annual revenue is just under $2,000,000. SITUATION The company’s annual premium was extremely high based on the number of employees...

INSURED The insured is a large non-profit school for physically and mentally-challenged students. SITUATION The school was being cancelled by its existing carrier of 45 years because of a poor history resulting in a 300%...

INSURED The insured is a wood products manufacturing company that employs more than 40 people divided into three work classes – sash/door/assembly millwork, sales people and clerical. The company works one shift, has a very...

INSURED This machine maintenance company employs 130 people in five states. SITUATION Because the company is a multi-state risk, injury management was becoming a problem, especially since there was no onsite claims supervisor at any...

INSURED A large multi-state owner/developer of residential and commercial property. SITUATION The company was using a large insurance agency/broker who was having difficulty managing the company’s claims in a multi-state environment. This complexity requires expertise...