How One Contractor Turned a Workers' Comp Liability Into a Competitive Advantage
Workers' compensation carriers don't just care about big claims.
They watch how often your employees get hurt—because in insurance, frequency breeds severity.
That’s exactly what one of our contractor clients was up against.
The Problem: Too Many Injuries, and a Premium Spike Looming
Their record didn’t show any catastrophic losses… yet. But there were multiple minor injuries across several job sites.
The carrier flagged it.
When claims start piling up—even if they’re small—it tells underwriters something is wrong with the company’s safety culture. And they were right to be concerned. Sooner or later, a serious injury could follow.
The result?
The carrier was threatening to increase the client’s rates
Underwriter confidence was fading
Payroll was increasing, which meant even higher potential exposure
And morale was dropping internally—employees were worried
That’s when we stepped in.
What We Did: More Than Just Insurance
We sat down with the client for a full review—not just of their insurance, but of their operational safety practices.
Together, we put a service plan in place that included:
Scheduled on-site safety visits
Implementation of monthly safety meetings
Guidance on incident reporting procedures
A plan for documenting progress and showing improvements to the underwriter
None of this was complicated—but it was consistent.
The safety meetings started to shift the company’s mindset. Supervisors were engaged. Field workers knew safety was being taken seriously. Even small hazards were reported and fixed faster.
The Results: No Claims, Lower Rates, Safer Jobsites
Fast forward 12 months.
Despite significant payroll growth, the company had zero claims during the policy period
The underwriter reviewed their documented efforts and site visit notes
Instead of raising rates, the carrier offered credits and better pricing
The client saved money—and avoided getting shopped to a surplus lines market
Most importantly?
Employees went home safe every day.
That’s not just a win for insurance. That’s a win for the entire business.
The Takeaway: Insurance Can Drive Change
This is what a proactive risk management approach looks like.
Not just buying coverage—but using it as a tool to improve operations, boost morale, and save money.
If your workers’ comp premium is creeping up—or if you’re seeing more injuries on site than you’re comfortable with—don’t wait for the big claim to land.
Let’s talk about what a safety-driven service plan could look like for your team.
