INSURED A school bus contractor with 30 drivers.   SITUATION The company was enrolled in a special state program for school bus operators that allowed it to receive a safety group dividend and preferred pricing...

INSURED A midsize masonry contractor. SITUATION The masonry contractor was using a PEO (Professional Employer Organization) and was concerned what it was paying for Workers’ Comp was higher than that of its competitors. It was...

INSURED A metal fabricator with 26 employees thatmanufactures metal sign-holders for various retailers. SITUATION With no history of carpel tunnel issues, the insured experienced a rash of carpel tunnel injuries unexpectedly, with two in excess...

INSURED A large residential property company with more than 5,800 units encompassing 46 high-rise buildings and over 153 acres. SITUATION The company was using a large insurance agency/broker that was lax in managing the company’s...

INSURED The insured is a large community bank with 30 branches, 400 employees, and assets in excess of $850 million. SITUATION A 12-year client, the bank had a comprehensive Workers’ Comp program and an excellent...

INSURED A commercial general contractor. SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor to 1.12, costing them an additional premium of $185,000 per year. It also restricted the company from...

INSURED An independent grocery store that employees 500 people with annual revenues of $20 million. SITUATION The employer had a large open claim reserve of $140,000 as a result of a back injury to an...

INSURED The insured is a large trucking and excavating company with a fleet of 50 trucks, 90 employees and $10 million in annual revenues. SITUATION The company had large open claims that negatively impacted its...

INSURED An ice cream manufacturer with 12 employees and revenues of $2.8 million. SITUATION The company had an Experience Mod of 1.9, which was more than three times what it should be. ASSESSMENT A team...

INSURED This free-cast prestressed concrete manufacturer and contractor has annual revenues of nearly $15 million and employs 60 people. SITUATION The company, which traditionally had an Experience Modification Factor in the .89 to .90 range,...