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%, from 0.91 to 1.37.  ...

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 the seasonality of the sport...

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 an indemnity to injured employees....

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 company’s Workers’ Compensation claims amounted...

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 January. He has released back to...

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, and temporary disability warranted for this...

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 27 workers’ compensation claims totaling...

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% loss ratio and a mod...

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 stable workforce and consistently produces...

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 of the locations. The result...

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 as well as the time...

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 on their Workers’ Compensation rates....

INSUREDA midsize masonry contractor. SITUATIONThe 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 difficult for them to determine their rate...

INSUREDA metal fabricator with 26 employees thatmanufactures metal sign-holders for various retailers. SITUATIONWith no history of carpel tunnel issues, the insured experienced a rash of carpel tunnel injuries unexpectedly, with two in excess of $80,000. This drove the company’s Experience...

INSUREDA commercial general contractor. SITUATIONA 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 bidding work for large corporations that required...

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 the Experience Mod to rise...

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 for two weeks off duty....

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 claims were longstanding and many...

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. Some were never combined with...

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 at a disturbing rate of...

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 period. ASSESSMENT In reviewing the...

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 did not understand the reasons...

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 increased premiums, there was the...

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 worked closely with the company...

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 and prior injury claims, analyzed...

INSURED The company is a manufacturer of modular homes with more than 40 employees. SITUATION The company’s Experience Modification Factor had climbed steadily to 1.07 and management did not understand why. ASSESSMENT CWCAs were called in to review the claims...

INSURED The insured is a residential plumbing contractor with 265 employees. SITUATION The company was in a transitional stage causing a higher-than-average claims activity. The result was a large number of open claims that included indemnity and an Experience Mod...