Results
Case Studies
Real businesses, the problem we found, what we did about it, and what happened to their claims, mod and premium.
Start a conversationThe Employer Success ProgramEvery case starts with an assessment
Read how businesses across very different industries changed their insurance costs and safety records. An auto dealership cut premium by over $1,000,000. A home health care company cut premium 59%. Each one started by finding what was really driving the cost, then fixing it inside the business.
Automobile Dealership Cuts Premium by Over $1,000,000
700 employees. Injuries went from 36 a year to none, the mod fell from 1.403 to 0.749 and premium went from a $1,647,000 renewal offer to $284,000.
Non-Profit Overhauls Safety to Reduce Premium by $200,000+
400 employees. Injuries dropped from 44 a year to an average of 6, the mod went from 1.68 to 0.81 and premium fell from about $350,000 to under $150,000.
School District Focus on Safety Cuts Premium 45%
775 staff. Average annual injuries fell from 62 to 28, lost time cases from 10 a year to 4, and premium came down 45%.
Home Health Company Reduces Modifier 39% and Premium 59%
Injuries went from 16 a year to 1 or 2, the mod from 1.516 to 0.925, and premium from a $421,000 renewal offer to $172,000.
Automotive Services Company Cuts Claims and Premium 65%
160 employees in 11 locations. Injuries went from 19 a year to none and premium fell from $278,000 to $98,000.
Zero Lost Time Program Lowers Mod and Returns $177,840
265 employees. Loss ratio fell from 80% to 9% in two years and the mod from .98 to .66, worth $177,840 a year.
Automobile Dealer Implements Behavior Based Safety
200 employees. Injuries went from 24 a year to zero, the mod from 1.483 to 0.727, and premium from $292,000 to $73,000.
Workers' Compensation Program Cuts Claims Costs
30 employees. After $123,107 in losses pushed the mod from 0.91 to 1.37, written injury and return-to-work policies stopped the claims.
The Case of the Disappearing Claims
Crews on 50 job sites. Claims went from $535,000 to $13,000 a year and premium from $1.2 million to under $250,000.
Supervisor Training Helps Change Injury Pattern
175 employees averaging 35 claims a year. Six months after supervisor training, six claims had cost a total of $3,200.
Correct Medical Diagnosis Saves Employer from Mod Increase
An independent nurse review showed a hernia was a surgical complication, which kept an 8 point increase off the mod.
Injury Management Lowers Reserves and Saves $57,000
One saw laceration. Pushing to release reserves step by step cut $57,000 in reserves and 19 points off the mod.
Trucking Company Gets on the Right Road
Transitional duty jobs helped bring premium from $800,000 down to $440,000 in three years and $290,000 in five.
General Contractor's Workers' Comp Drops in Two Years
110 employees. The mod went from 1.21 to 0.93 and premium from $430,302 to $365,318 over two years.
Private School Learns a Lesson by Seeing Mod Drop 95 Points
A non-profit school for challenged students saw its mod go from 1.88 to 0.93, with over $500,000 in premium savings over four years.
Workers' Comp Program Saves Manufacturer Money
40 employees. Closing stale claims and returning people to work cut annual premium by over $15,000.
Injury Program Reduces Annual Losses $163,675 to $6,074
130 employees in five states. One claims coordinator for every location took losses from $163,675 to $6,074 in two years.
Electronics Manufacturer Saves $85,500 in 3 Years
110 employees. Pre-employment testing and a return-to-work process cut severe claim outcomes from $35,000 to $6,500.
From Ashes to Triumph: How CCF Industries Survived a Fire
A 2014 fire destroyed Ken Clifton's building. A redesigned program gave him over $3 million more coverage than he had before.
Disaster survivors
When Ken Clifton's building burned in 2014, his old program would have left him over $3 million short. Jack Kirsopp says the same thing about his old policies. Both are back in business and thriving.
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.
Start with a conversation
Tell me what's going on. I read these myself and reply within two business days. If there's nothing worth fixing, I'll tell you that too.