INSURED This ice cream manufacturing and dairy operation have 16 full-time employees with revenues of $4,700,870. SITUATION The ice cream manufacturer was saddled with an Experience Mod of 1.698, more than three times the 0.65 minimum mod. Five job-related injury claims cost the employer more than $53,000, including one when an employee claimed to have […]...

INSURED This company specializes in glass for commercial entrances and storefronts, construction glazing and retail glass sales. With 40 employees, the company has sales revenue in 2005 of approximately $2.5 million. Situation The CWCAs began insuring this client in 1995. In 2002, the company moved its account to a direct insurance carrier at a time […]...

INSURED The insured is an HVAC service company with approximately 23 employees and estimated sales of $4 million. SITUATION The company was in serious danger of losing one of its biggest accounts, a leading national paper manufacturer. The paper manufacturer was highly interested in promoting on-site job safety and had an established policy that it […]...

INSURED This chain of full-service automobile dealerships employs more than 500 people divided into three work classes – dealer, auto sales people and clerical. The company does more than $250 million in business. SITUATION The frequency and severity of claims being incurred by the employer were staggering. It had experienced more than 100 claims for […]...

INSURED Five hotels, under a single ownership. The company employs more than 2,000 with premiums in excess of $1.8 million. SITUATION The company’s Experience Modification Factor and premiums had climbed steadily and ownership was unaware as to why they were seeing such high costs. ASSESSMENT Certified WorkComp Advisors did an analysis and discovered that the […]...

INSURED This grading contractor employs 42 people with annual revenues of approximately $3 million. SITUATION The company had been with the same broker for 21 years. The broker had never audited or verified the insured’s Experience Modification Factor and routinely accepted the Mod Worksheet provided by NCCI as accurate and correct. The company’s Mod was […]...

INSURED This major landscape contractor servicing commercial properties employs 120 people and does $19 million in annual revenues.   SITUATION A year after purchasing the company, the insured was concerned why, as a relatively new business, its Experience Mod was extremely high at 1.39, with annual premiums in excess of $400,000.   ASSESSMENT Certified WorkComp […]...

INSURED This 300 – employee staffing company, headquartered in Indiana with offices on both coasts, greatly reduced their premium after we analyzed their State Workers Compensation and Longshore and Harbor Workers’ Compensation Insurance (USLH).     SITUATION This company has been a client for several years paying approximately $2,000,000 annually for their Longshore and Workers’ […]...

INSURED This assembler of office furniture employs 86 and has revenues in excess of $32 million annually. SITUATION The employer saw its Experience Mod escalating steadily up to 1.22. ASSESSMENT The CWCAs found one reason for the increase in the Experience Mod was the claim reserve for an employee who suffered a shoulder injury, resulting […]...

INSURED The insured is a contract hauler that services major building supply companies and contractor equipment dealers in 11 states. Annual gross revenues are in excess of $6,000,000. SITUATION The company’s Workers’ Compensation premium was $140,000 and the Experience Mod was .96, predominantly a result of claims in two states. ASSESSMENT CWCAs reviewed the company’s […]...