INSURED The insured is a new home construction 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 type of injury.   ASSESSMENT Knowing that insurance company routinely set high reserves […]...

INSURED The insured is a water and sewer pump company and employs 27. There are additional employees in two other states.   SITUATION An employee had undergone gall bladder surgery. He was released back to work full duty (without restrictions) three weeks later. On his second day back to work, employee was moving some cross […]...