Risk Profile Improvement Process Results

Disaster survivors

Companies that did more than survive.

From ashes to triumph: how the right insurance choice saved CCF Industries

On a Florida morning in April 2014, Ken Clifton's vacation was interrupted by a call that would change everything. His business was on fire. As the owner of CCF Industries watched his livelihood burn from far away, he realized the true value of a decision he had made not long before. Switching to David Leng and Duncan's insurance program had seemed intriguing at the time. Now it was the lifeline that saved his company, with over $3 million more in coverage than his previous policy. Ken was able to rebuild, keep his employees and lead CCF Industries to new heights.

Read the full case study

Rethinking risk: the Duncan approach that secured my company's future

I am so glad I met with David Leng and the team of professionals at the Duncan Financial Group.

I used to be the type of person that would get quotes on my insurance every two or three years. Dozens of agents would call me every year, three or four months prior to my renewal, and say they could save me money, get me the same coverage for less, and maybe they would point out holes or gaps in my coverage. When I look back at my old insurance policies, I now realize that if it were up to the traditional quoting process, I would be out of business today.

They came in seven months prior to my renewal and took the time to meet with me and my staff, understand my business, and identify the risks I had in my operation.

They put together a Risk Improvement Plan to address our issues. They also overhauled our insurance program to a point where it looked nothing like my old policies, and they reduced my insurance costs as well.

The outcome was beyond belief. Because of Duncan's efforts, which go well beyond quoting your insurance, not one of my employees or myself missed a paycheck. My business, in its beautiful new facility, is thriving and I am now able to hand this company over to my daughter and eventually my grandson.

Jack Kirsopp, Owner, Kirsopp Auto Body

Real businesses, real results

Duncan found that my experience modifier was wrong. They were able to get my experience modifier corrected, and my insurance companies had to return over $86,000 to me. They used the safety changes they implemented to obtain an insurance policy at our renewal that was over $100,000 lower. In a span of 4 months, they put almost $200,000 back in my pocket.

Mark S. Duda, President, Duda Cable & Construction

Working with Duncan we were able to enhance the safety culture in our organization and reduced our Workers' Compensation costs by over $300,000 a year.

Gary Bowser, II, President, Bowser Automotive Group

David Leng is very knowledgeable about Workers' Compensation and a pleasure to work with. His knowledge allowed our company to reduce its Workers' Compensation premiums by almost 55%.

Mike Spitznagel, CFO, JetNet Corporation

I first became acquainted with David's knowledge of Workers' Compensation when I attended a seminar in 2007. I took the opportunity to meet with David to discuss better ways we could handle not only our Work Comp claims, but how we needed to drastically overhaul our HR processes. The benefits have been many.

Colleen Maize, HR Director, Kasto, Inc.

Throughout David's career he has always been on the forefront of thinking. His understanding of insurance and specifically workers' compensation allow him to see things and establish practices that others eventually follow. David takes an entrepreneurial approach to problem solving resulting in both savings and added protection for his customers.

J. Kieran Jennings, Esq., Managing Partner, Siegel Jennings

David, you and your [Keystone Risk Management] team blew us away. First, your team recovered over $42,000 in overcharges. Second, over the next 7 months you overhauled our safety programs and hiring process. Your injury management team minimized a potentially uncontrollable and ugly claim which would have cost us tens of thousands of dollars in additional premium and rehiring costs. Third, your negotiations with our insurance company resulted in an additional $49,387 (44%) reduction in my workers compensation renewal premium. We figure you have added over $100,000 to our bottom line in just 1 year. Thanks!

Alex Yawny, CEO, Odyssey Communications

9 months ago I hired Duncan and their [Keystone Risk Management] to implement their Risk Solutions Program. As a result, I just saved $57,494 on my insurance renewal. That's 42%. Duncan met with me and my employees, toured my facility and put together an aggressive Risk Solutions Business Plan. They started implementing immediately and are in our plant several times each and every month.

Robert Gottlieb, CEO, Gottlieb, Inc.

David, I just can't thank you enough for finding and returning to us the $27,438 in overcharges from our last two years of audits. I only wish we had been allowed to go back to the prior years to recover money. More importantly, you provided us with a process so that we can avoid being overcharged in the future.

Ralph Kemp, President, Elk Air Conditioning

I just cannot thank you enough for helping us to take control of our work comp. In addition to making my life easier by helping to manage our claims, your team helped us create a very strong safety culture. Our injuries are down significantly, but more importantly, you helped reduce our work comp premium by over $80,000 a year.

Lori Bodnar, HR Director, C Harper Automotive Group

Read all client testimonials

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