The Stakes: A school for special-needs children was in crisis. With a 1.88 Mod and a staggering 300% loss ratio, their carrier of 45 years dropped them. They were effectively uninsurable because they were paying out three times more in claims than they paid in premiums.
The Investigation: The issue wasn’t the children; it was the process. The Advisor found that the school had no “Return-to-Work” program. When staff suffered minor soft-tissue injuries, they stayed home for weeks, driving up costs.
The Breakthrough: The Advisor implemented a “Job Bank” system. Each department created a list of tasks that could be done by someone on light duty. Now, instead of sitting at home, injured staff reported to HR for light assignments.
The Result: The Mod dropped to 1.27. But the real win came from a forensic audit that recovered $32,000 in overpayments. The school used that found money to give every employee a $150 holiday bonus.