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 the parent and were issued their own rating, while others had multiple payroll and claims history […]...

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 home by either picking them up from their homes each day and bringing them to day-centers, or providing in-home nursing […]...

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 company was charged an additional premium of $46,000. The company paid the first installment of the additional premium – $26,000 […]...

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 their current carrier because they felt their audits were incorrect. Recognizing the need to have an expert review of the […]...

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. SITUATION Following an audit, the insurance company attempted to charge the company for higher job classifications even though the number […]...

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 15-20% annually and in three years had doubled from $25,000 to $50,000. The Experience Mod […]...

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 additional premium from the 2006/07 final audit in the amount of $15,129. ASSESSMENT Following established guidelines as set forth by […]...

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 appeared to the client to be higher than usual. ASSESSMENT The CWCAs, upon reviewing all documents provided by the Insurance […]...

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 data, CWCAs quickly realized that exceptionally high employee turnover was driving much of the rise […]...

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 for the significant jump. ASSESSMENT CWCAs determined that the projected increase was the result of […]...