INSURED School for “Exceptional Children” (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. SITUATION 1.88 experience mod, 300% loss ratio, which means the insurance company paid out to doctors, pharmacies, and other...

INSURED A public school system with 150 employees. SITUATION The school system’s Experience Modification Factor escalated over the past five years, from as low as 0.97 to a high of 1.34, though it had experienced...

INSURED A manufacturing company with 175 employees.   SITUATION The employer’s average annual Workers’ Comp costs were in excess of $80,000 per year. During that same period, the manufacturer averaged 35 claims per year, causing...

INSURED The business is a commercial glass manufacturer that employs 40-50 workers.   SITUATION An employee suffered a shoulder injury while moving large plates of glass. The immediate medical diagnosis by the treating physician was...

INSURED This company employs over 50 people with locations in two states.   SITUATION The company experienced a substantial increase in claims activity in one year, going from $45,039 to $107,606. The majority of these...

INSURED Located in Wisconsin, this auto repair business also does retail parts sales and auto dismantling. The company employs seven people. SITUATION The Rating Board showed up unannounced to undertake a classification audit. The audit...

INSURED A conglomerate of associated companies with several locations within one state.   SITUATION Over the course of five years, the company purchased multiple related companies. Numerous errors were made when combining the loss experience....

INSURED The business is a non-profit outpatient, long-term care provider with a $20 million payroll for 512 employees spread over nine locations. The company assists elderly clients so that they are able to remain at...

INSURED The business is a local hauler that handles towing risks. It has 25 employees and does approximately $1.5 million per year in business. SITUATION Following an audit of the insured’s Workers’ Comp policy, the...

INSURED This printing company employs 85-90 people and has revenues estimated at $15 million. SITUATION The employer was witnessing an increase in its Experience Mod and annual premiums. ASSESSMENT The employer became increasingly dissatisfied with...