The Stakes: A wood products manufacturer had a stable workforce and good management, but they treated insurance as a passive bill. They assumed the carrier was handling the claims.
The Investigation: The Advisor reviewed the loss runs and found the inevitable result of passivity: open claims sitting on the books with zero activity. One single dormant claim was adding seven points to their Mod because no one had pushed to close it.
The Breakthrough: The Advisor took over the claims management process, implementing a “Transitional Duty” program. Instead of sending injured workers home to wait, the company brought them back to light work immediately, cutting off the indemnity payments that drive up the Mod.
The Result: The company became attractive to carriers again, securing better pricing. On a single managed claim, they realized $3,000 in immediate savings.