INSURED The insured is a large oil company making deliveries to area businesses, including five convenient stores/service stations that it owns. The company has 40 employees and estimated annual revenues in excess of $50 million....

INSURED The insured is a manufacturer with 25 employees and annual revenues of $25 million. SITUATION The company experienced a spike in its Experience Mod and a corresponding increase in its premiums. Premiums were increasing...

INSURED The insured is a family-owned trucking company with 20 employees. Its primary business is hauling dirt, sand and gravel, as well as landscape product sales. SITUATION In early April 2008, the insured received an...

INSURED The insured is a demolition company specializing in interior non-structural demolition. It employs 100 workers. SITUATION The company, which performed work in three states—Maryland, Virginia and the District of Columbia—was given a premium that...

INSURED The insured is a company, with 1,100 employees and more than $100 million in revenues. SITUATION The company’s Workers’ Comp-related costs were growing steadily at a rate of 30% per year over a three-year...

INSURED The company, a wholesaler specializing in mailing parts, employs 50 workers. SITUATION Traditionally, the company had a low Experience Mod, but was now looking at a potential leap from .92 to 1.15. The company...

INSURED A commercial roofing company that employs more than 200 people and has approximately $15 million in annual revenue. SITUATION The company saw its Experience Modification Factor reach as high as 1.0. In addition to...

INSURED A distribution company with 450 employees. SITUATION Since the company’s Experience Modification Factor reached an alarming 2.04, they were placed in the state’s assigned risk pool, as well as assessed ARAP surcharges. ASSESSMENT CWCAs...

INSURED A manufacturer with 170 employees. SITUATION The company’s claims costs, which had traditionally been increasing at the rate of 7-8% annually, were suddenly going up over 20% annually. ASSESSMENT A CWCA reviewed all open...

INSURED A company, with 15 employees, reports $2 million in sales and is one of several businesses owned by various members of the same family. SITUATION The employer’s Experience Modification jumped, for no obvious reason,...