Case study: auto dealership
Automobile Dealer Implements Behavior Based Safety and Cuts Claims and Experience Modifier
This dealership's safety vendor was focused on OSHA compliance. A real safety program took premium down 75%.
Start a conversationThe Employer Success ProgramThe business
Automotive and light truck dealership with 200 employees and two separate locations.
The situation
The dealership was averaging 24 injuries a year and $194,700 in claim costs. Its experience modifier had climbed to 1.483, and it was facing a renewal offer of $292,000.
What we found
The Risk Management and HR Assessment showed the dealership had been using a safety company focused on meeting OSHA requirements. That was compliance, and not really a safety program. Hiring processes and return-to-work management were poor.
What we did
We provided comprehensive services, including risk management, Behavior Based Safety, OSHA compliance, human resources and claims handling. We set up and facilitated a formal safety committee, changed their hiring processes and put in a drug free workplace program.
The result
75%
Premium reduction, $292,000 to $73,000
Injuries went to 16, then 7, then 3, then two years with no injuries. Claims costs have averaged $4,200 a year over the past five years. The experience modifier fell to 0.727 and premium came down to $73,000, a reduction of 75%.
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.