Case Study 3 - Worker's Comp Experience Modification

The one and only significant injury claim for a small business in 5 years increased their experience modification to over 140% and increased their workers compensation premium over the last three years by $180,000 - for an employee whose annual salary was less than $25,000.

Our team instituted a return-to-work policy, which would have cut the costs of this claim by 2/3, had the client known what to do. We also have trained their supervisors on how to handle injured workers, and are working to improve their records so they will be able to obtain competitive insurance bids for their next renewal.