Achieving Results

Thinking Outside of The Box

Aggressive Plans of Action

Determination

 Commercial insurance results

"I want to take this opportunity and personally thank you for your expertise in the field of workers' compensation. During the four months that you have been retained by us and because of your efforts, the school district's workers' compensation liability was reduced over $400,000.00.

"Within the first week when I was given the two hour seminar on the ABC's of Reserving, your company provided me with an education and a complete understanding of the line item strategies required to impact our liabilities.

"Now that the district is conventionally insured, it is a relief to know that I have an advocate on my side who understands the subtleties of how reserves impact our experience modification. This was demonstrated to me when we had our claim review with our carrier and subsequently reduced our premium liability for the upcoming year by over $100,000.00.

"The knowledge and expertise provided by you has proven to be financially valuable to the school district."

- Loss Prevention Coordinator, Southern California School District

Please review some of the results that we have achieved for our clients and colleagues.

Hired by a large Southern California security firm hit with a $300,000.00 additional premium bill after audit. As a result of our analysis of the classification and claims issues, the bill was reduced to $100,000.00. - C. Group, Inc.

A Los Angeles property management company was audited by their insurance carrier. After the audit was completed, the carrier hit the employer with a $400,000.00 for additional premiums. The employer's broker brought our team on board to handle the matter. As a result of our efforts, we reduced the bill to $600.00. - H.B. Insurance Brokerage

A large food distribution company in Southern California, which pays $2,000,000.00 a year in worker's compensation premiums, had six employees improperly placed in the wrong, but higher, classification code. Through revisions and subrogation, the company received $250,000.00. - G & S, Inc.

Large Temporary Service Company located in Southern California had $10,000,000.00 worth of payroll put into the wrong classification code. The company received $250,000.00 through experience modification revisions to which the WCIRB agreed. - S. Payroll

Large Courier Company was insured by a policy that contained a dividend plan. It was demonstrated that their losses had not reached a certain threshold and eliminated the surcharge, which resulted in the company receiving $250,000.00. - T. Corp.

Several large parking lot companies were being charged for items that should have been charged as costs to the carrier. Through the revision process and analysis of claims handling, the companies received over $1,000,000.00 from the carrier. - F.S. Parking, S Parking, etc.

Large Southern California Catering Company received $250,000.00 from the carrier through experience modification revisions because of improper reserving practices, claims handling, subrogation revisions, CT joint coverage coding and improper classifications. - R. Catering, Inc.

Large aerospace company was unable to bid for jobs because of certain industry requirements demanding certain experience modification rates. The company's experience modification rate was reduced to 100%, which enabled it to bid jobs. - M. Industries

Retained by nationwide security company with $20,000,000.00 payroll. The company's experience modification jumped from 84% to 98% in a very brief time period. Retained to stop the increase through analysis of claims handling, reserving practices, joint coverage and coding issues, subrogation, formulation and execution of aggressive plans of action, etc. - WSA, Group

Through the implementation of our personal injury and subrogation program, we were able obtain $50,000.00 for Southern California trucking company through the revision process. - W. Trucking

Retained by one of the largest unionized framing contractors in the State of California, which employs between 200 and 300 employees and has annual sales between $20 and $30 million. Retained to verify the accuracy of State Fund reserves and claims handling that impacted their premium and dividend dollars. - C. Corporation

An interstate labor leasing company whose annual Workers' Compensation premiums is approximately $1,000,000. Retained to reconcile subrogation issues with the respective experience modifications and Cal Retro Rating Plan. - T. Leasing Corp.

A Texas based food server for major airlines throughout the United States. which pays Workers' Compensation premiums in excess of $20,000,000 under a Paid Loss Program. Retained to verify accuracy of reserves with respect to their Paid Loss Plan and future experience modification impact. - S. C., Inc.

A multimillion-dollar California based corporation in retail sales of compact discs, cassettes, tapes in the Western United States region. Involved with multi-year dividend plans and Cal Retro Rating Plans. Retained to reconcile the accuracy of reserves with respect to past and future experience modifications and dividends. - The W.E., Inc.

A courier company located throughout California and the Western United States. Retained to eliminate State Fund's premium surcharge and negotiate a participating dividend plan. Implemented the Personal Injury Program, which placed the primary financial responsibility on the third party, thereby, saving the cost of subrogation and high reserves. - T.A., Inc.