INSURED A large multi-state owner/developer of residential and commercial property. SITUATION The company was using a large insurance agency/broker who was having difficulty managing the company’s claims in a multi-state environment. This complexity requires expertise as well as the time and resources to provide an adequate service level. Unable to get a handle on the […]...

INSURED A school bus contractor with 30 drivers.   SITUATION The company was enrolled in a special state program for school bus operators that allowed it to receive a safety group dividend and preferred pricing on their Workers’ Compensation rates. Although the bus company didn’t file many claims, there were two or three claims–the result […]...

INSURED A midsize masonry contractor. SITUATION The masonry contractor was using a PEO (Professional Employer Organization) and was concerned what it was paying for Workers’ Comp was higher than that of its competitors. It was difficult for them to determine their rate because the payroll taxes, Workers’ Comp and additional fees were combined. ASSESSMENT CWCAs […]...

INSURED A metal fabricator with 26 employees thatmanufactures metal sign-holders for various retailers. SITUATION With no history of carpel tunnel issues, the insured experienced a rash of carpel tunnel injuries unexpectedly, with two in excess of $80,000. This drove the company’s Experience Mod up to 1.72 and resulted in the policy being canceled by their […]...

INSURED A large residential property company with more than 5,800 units encompassing 46 high-rise buildings and over 153 acres. SITUATION The company was using a large insurance agency/broker that was lax in managing the company’s claims, resulting in a high Experience Mod of 1.65. The broker was not pro-active in managing past claims; no annual […]...

INSURED The insured is a large community bank with 30 branches, 400 employees, and assets in excess of $850 million. SITUATION A 12-year client, the bank had a comprehensive Workers’ Comp program and an excellent claims history, with an Experience Mod that averages between .80 and .85. Based on a verification process that included reviewing […]...

INSURED A commercial general contractor. SITUATION A 62% Workers’ Comp surcharge drove up the company’s Experience Modification Factor to 1.12, costing them an additional premium of $185,000 per year. It also restricted the company from bidding work for large corporations that required a 1.00 or lower Experience Mod. ASSESSMENT The CWCA’s review of the Experience […]...

INSURED An independent grocery store that employees 500 people with annual revenues of $20 million. SITUATION The employer had a large open claim reserve of $140,000 as a result of a back injury to an employee. There was also a possibility of litigation as a result of the injury. ASSESSMENT CWCAs explained to the client […]...

INSURED The insured is a large trucking and excavating company with a fleet of 50 trucks, 90 employees and $10 million in annual revenues. SITUATION The company had large open claims that negatively impacted its Experience Mod. The current agent was not vigilant in identifying or monitoring the claims. ASSESSMENT In reviewing the data CWCAs […]...

INSURED An ice cream manufacturer with 12 employees and revenues of $2.8 million. SITUATION The company had an Experience Mod of 1.9, which was more than three times what it should be. ASSESSMENT A team of CWCAs reviewed the business. They determined that the elevated Mod was due to several open claims, which were a […]...