Most brokers promise to “lower your premium.” CCIG focuses on something more strategic and durable: reducing your Total Cost of Risk (TCOR).
Our in-house data analytics experts use proprietary predictive modeling developed in-house to quantify how today’s choices shape tomorrow’s losses, premiums, and cash flow. Then we translate those insights into practical action, whether it’s safety investments, deductible strategy, program design, or even M&A due diligence, so leaders can make decisions with confidence.
This capability is rare in the middle market. At many national firms, advanced analytics are reserved for the largest accounts. At smaller shops, analytics are often an off-the-shelf tool with generic assumptions. CCIG is different. We built and continuously refine our own model to mirror the realities of your operations.
At the core of our platform is a proprietary engine that forecasts the ultimate cost of claims and simulates how specific interventions will affect premiums over the next 12–60 months. Leaders use these insights to decide where to invest time and dollars.
A simple example with outsized impact: in one engagement, we demonstrated that every $1 paid as a claim increased the client’s future costs by $1.69 through premium impacts.
That single ratio reframed the conversation. Paying small losses within a thoughtfully structured deductible wasn’t just “self-funding”—it was avoiding $1.69 in future costs for every dollar handled today.
Insurance is only one lever in the TCOR equation. CCIG’s platform connects the dots:
Because our engine is built in-house, we can tailor assumptions for unique realities like seasonality, an accident-prone division that drives cost increases for all locations, device changes, job-mix shifts, or a one-off catastrophe. We don’t “bend the math.” We can configure the model so it answers the real question you’re facing rather than forcing your business to fit a generic software output.
That flexibility matters beyond workers’ compensation. We also apply the platform to auto liability (vital for fleets, delivery, and field operations) and general liability, where claim dynamics and defense costs can materially affect TCOR.
Sustained results over three to five years, like fewer and smaller claims, smarter retentions, and disciplined program design, open doors to group captives and other alternative risk structures.
Risk isn’t static, especially during expansion. Before you acquire a competitor or open in a new state, the platform can simulate how another entity’s loss experience will instantly merge with yours, affecting premiums and experience modification rates (E-Mods).
We routinely support M&A due diligence by projecting the post-close impact on workers’ comp costs and E-Mod so buyers can adjust valuation and integration plans with eyes wide open.
E-Mod Audits that Keep Contractors Competitive
For construction and contracting clients, we also scrutinize and defend E-Mods. An E-Mod above 1.00 can make you ineligible to bid, price you out of bids, and inflate premiums.
We perform E-Mod audits and, when warranted, draft evidence-based letters that explain anomalies—say, a third-party auto loss that unfairly distorts your safety profile—helping qualified subcontractors remain competitive while the underlying data corrects.
Consider a multi-location auto retailer that resisted higher deductibles because individual store managers were measured on monthly profit, and deductible hits made their P&L look worse.
What they didn’t see: one location’s injuries inflated premiums system-wide. Our model quantified how a higher deductible at the loss-heavy store would reduce premiums across every location. The leadership team changed the metric, adjusted the deductible, and unlocked savings the old paradigm was hiding.
Bottom line: Risk analytics shouldn’t be a glossy dashboard you glance at during renewal. In the middle market, it’s a strategic operating system for reducing volatility, freeing capital, and growing with confidence. CCIG’s platform and team turn “what ifs” into hard numbers, and those numbers into stronger outcomes.
Curious how this would change your next renewal or acquisition? Let’s run your scenarios and find your TCOR.
Back to Resources