How One Broker Helped a Manufacturing Client Cut Claims, Lower Their X-Mod, and Win Renewals with EGSafety

A Safety Program That Reduces Claims, Strengthens Renewals, and Makes Brokers Look Like Heroes

The Client Problem You Know All Too Well

Brokers in high-risk industries see this pattern often: a client’s Ex-Mod climbs, premiums rise, renewal conversations get tough — and loyalty starts to slip.

That’s exactly what happened to a mid-sized manufacturing company. Their Ex-Mod ballooned to 129%, driving a 30% increase in their renewal quote. Leadership was frustrated, managers disengaged, and employees weren’t consistently completing training. Even worse:

OSHA compliance was shaky. Dashboards and reports weren’t being leveraged to track safety performance.
Claims were repetitive and costly. Over 70% of lost-time injuries came from overexertion.
One location drove 85% of total claim costs.
Underwriting submissions lacked credibility. The broker couldn’t demonstrate control of claims or safety effectiveness.

The client began shopping with other brokers — putting both the renewal and the relationship at risk.

The Broker’s Move – Bringing in Employer’s Guardian

Rather than watching the account slip away, the broker introduced Employer’s Guardian and our EGSafety program — a compliance-driven, boots-on-the-ground safety and workers’ comp solution.

The focus wasn’t on chasing numbers like Ex-Mod. That’s an outcome metric. The real work came from managing the KPIs that drive results: ensuring employees completed training, supervisors owned daily safety, and hazard inspections were performed and acted on.

Here’s what changed:

Comprehensive Safety Audit → Pinpointed true claim sources by cause, role, location, and tenure.
Custom IIPP & Programs → Implemented enforceable policies (Drug Testing, RTW, Health & Safety).
Supervisor Training → Equipped leaders to enforce and track safety behaviors daily.
Injury Wizard Deployment → Reduced reporting and treatment times to less than 1 day.
Training Compliance Tracking → Completion rates rose to 95% once dashboards and reports were put to use.
Hazard Inspections & Controls → Monthly inspections jumped from 0% to 65%.
Underwriting Submission Upgrade → Broker now presented documented programs, safety metrics, and claim-prevention evidence.

This wasn’t a band-aid. It was a broker-led, employer-executed strategy that replaced liability with leverage.

The Results – And Why They Matter to Brokers

Within two years, the impact was undeniable:

✅ Ex-Mod reduced from 129% → 86% (lowest ever: 57%)
✅ Overexertion injuries cut in half, with zero claims from delivery drivers in the next 3 years
✅ Claims at the worst-performing location decreased by 35%
✅ Long-tenured employee injuries dropped by 45%
✅ Training completion rates sustained at 95% annually
✅ Hazard inspection compliance rose to 65%
✅ On-time injury reporting moved under 1 day
✅ Renewal submission credibility improved, leading to better underwriter confidence and discounts

Impact for the Broker:

Strengthened renewal conversations with proof of claim control
Retained a client that was actively shopping elsewhere
Reduced admin burden with EG handling safety data and submission prep
Built client loyalty by delivering measurable, bottom-line results

The Broker’s Advantage

Your clients expect more than coverage — they expect you to deliver solutions that protect margins, reduce claim volatility, and keep premiums manageable.

With EGSafety, you can:

Make clients more marketable at renewal
Streamline the renewal process with stronger, evidence-based submissions
Improve retention by solving the root causes of claims
Position yourself as the advisor who delivers measurable outcomes, not just policies

You bring the coverage. We bring the results that justify it.

📅 [Schedule a broker strategy call with Employer’s Guardian]

Let’s align our teams to help your clients cut risk, keep coverage, and strengthen your book.