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 added danger of losing significant business as general contactors typically will not hire sub-contractors (which […]...

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 and by analyzing loss run reports and Workers’ Compensation premium audit sheets discovered many open […]...

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 the Experience Modification Factor, current reserves, OSHA logs, and safety committee minutes. He also walked […]...

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, from 0.99 to 1.27. The insured decided it was time to re-evaluate the company’s Work Comp policy. ASSESSMENT After speaking […]...

INSURED The insured is a regional social services agency providing day habilitation, vocational, residential, and evaluation services to approximately disadvantaged adults. With a payroll of $9,000,000 for 315 employees, they operate eight day-habilitation facilities and 16 residential programs in which consumers live independently, with employees visiting their residences daily to provide needed services. The organization […]...

INSURED This 22-year-old company reported sales in 2004 of $6.1 million and a payroll of $1,156,808. The company designs, sells and leases trailers, modular buildings and storage containers for mobile offices at construction sites, concession stands, sales offices for developers, and alternative accommodations during reconstruction. SITUATION The CWCA performed a detailed review of the company’s […]...

INSURED This plastics manufacturer has 78 full-time employees and reports revenues of $22 million. The company manufactures plastic bags for industrial, commercial and residential use. SITUATION With an Experience Mod already at 1.35, more than twice the 0.65 minimum level, the employer was notified of another 25% increase in the Mod, which would raise it […]...

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 after one of the owners attended a Workers’ Compensation cost reduction workshop sponsored by the […]...

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 of .98 and rising. ASSESSMENT CWCAs reviewed the situation and realized that the Experience Mod […]...

INSURED The business is an electronics manufacturer that employs 110 workers. SITUATION After splitting from a large national manufacturer, the company saw its Mod jump to 1.45, causing uncompetitive labor costs and a loss of profitability.   ASSESSMENT It was determined that the increase in the Mod was a result of an increase in the […]...