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, saw a rise to 1.2. This resulted in the company going from a credit experience modification factor (under 1.0) to […]...

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 medical providers three times more than the premium paid to the insurance company by the School. Based on that ugly […]...

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 no significant workplace injuries during that time. ASSESSMENT CWCAs investigated the situation and discovered that the previous agent had not […]...

INSURED The insured is a social service agency with 390 employees in 22 locations.   SITUATION In one six-month period, this insured experienced 27 workers’ compensation claims totaling $89,000.   ASSESSMENT A Certified WorkComp Advisor (CWCA) looked into the situation and discovered supervisors played no role in managing their employees injuries. It was left to […]...

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 to 1.12.   ASSESSMENT CWCAs reviewed the client’s Workers’ Comp program. They found that the […]...

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 employer the true cost of the insurance company paying indemnity to injured employees.   SOLUTION After reviewing the return-to-work options, the trucking company decided to no longer outsource its security […]...

INSURED Two Minor League Professional Baseball Teams SITUATION Very high rates. The seasonality of the sport and the very low wages players receive relative to national averages acts as a deterrent for players to return to work, particularly when the injury is late in the season and players do not come back to work until […]...

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. As a result, the employer was faced with a substantial indemnity claim and potential increase […]...

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 proved to be fraudulent in nature. The company hired an external risk management firm and […]...

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 resulted in a re-classification of the business, moving the company into a higher risk bracket and potentially increasing its annual […]...