Every engagement gets quarterly loss-run reviews and an annual financial audit. These are the numbers, with the structure that produced them.
California staffing firm placing into 3632, 3681, and 8810 class codes. Standard market had non-renewed twice. We re-mapped class codes, formalized return-to-work, and moved WC to a program-direct master.
Premiums stabilized year-over-year. Program appetite restored after two prior non-renewals.
Janitorial operator with crews dispersed across hundreds of buildings. We deployed mobile claim intake, bilingual onboarding, and a wage-statement remediation to cure prior PAGA defects.
PAGA exposure contained. Carrier non-renewal risk cleared on a swing-shift, off-site workforce.
12-unit hospitality group with mounting frequency on burns and slips. ASO structure preserved their EIN and brand. We deployed kitchen-safety best practices and isolated the two locations driving 60% of the loss.
Kitchen-injury frequency down 35%. Location-specific loss audit identified two outlier sites.
Long-haul operator in 7219 coming off one bad loss year. We left their payroll vendor in place, took only the WC, and underwrote it program-direct with three years of loss-run narrative.
120 drivers across 6 states. Pay-as-you-go billing eliminated $94K audit true-up exposure.
