Premium Reduction CenterDUNCAN FINANCIAL GROUP · KEYSTONE

Manufacturing

The same job keeps hurting people.

Look down your loss runs and the same task shows up more than once. Every one of those injuries also leaves the schedule short, and that cost never appears on an insurance bill.

Start a conversationThe Employer Success Program

What usually turns out to be driving it

  • One task, repeating. Not a safety problem across the plant, a specific job that keeps producing the same injury.
  • Supervisors who were never told how workers' comp works, or how much of it they control in the first hour.
  • Claims left to the carrier, so a stale file sits open and prices your mod for three years.
  • No transitional duty, so a restriction that could have been worked around becomes lost time.
  • Payroll on the wrong class code, which costs you whether or not anyone gets hurt.

What that costs in production

An injury takes an experienced person off the line. The work still has to go out, so it gets covered with overtime, or a temp who has not done the job, or a schedule that slips. By the time it reaches your premium it has already been paid for twice.

What changed at four manufacturers

Electronics manufacturer
After splitting from a national parent the mod hit 1.45, driven by hand and wrist injuries. Severe claim outcomes went from $35,000 to $6,500, and premium savings came to $85,500 over three years. Read it
175-employee plant
The supervisors had no idea how workers' comp worked or how much they could affect it. One meeting changed the injury pattern. Read it
Machine maintenance
Five states, no on-site claims supervisor anywhere, $163,675 in claims in one year. Run as one building, annual losses came down to $6,074. Read it
Pump manufacturer
An employee herniated a healing surgical incision on his second day back. Getting the diagnosis right kept it off the mod. Read it

Where to start

Pull three years of loss runs and sort them by what the person was doing, not by date. If the same task shows up three times, watch someone do it. Then ask what changes when the line falls behind or a new person takes over.

If you make wood products, the exposures are different enough to have their own page. Wood products.

Where the Employer Success Program comes in

It starts with a Diagnostic and Plan. We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and a short list of what's worth fixing first.

From there our claims, HR, safety and fleet people work alongside yours, and you get a Score Card at the start and every year after, measured against your own starting point.

How the program works

Start with a conversation

Tell me what is going on at the plant. I read these myself and reply within two business days.

Rather pick a time now? Book a 30-minute call on my calendar. It's on Teams.