Client-Focused, Success-Oriented.

Further investigation preserves renovation and minimizes financial exposure

Client Profile: General Contractor l $430,000 financial impact

Our client was the general contractor for a major hotel renovation project. As most general contractors do, our client retained subcontractors to complete various jobs. In the middle of the project, an upper floor’s overhead sprinkler unknowingly activated and released water, causing extensive damage to the elevators and several other floors. When our client presented the claim for the damage, their carrier denied liability, arguing that a subcontractor’s employee appeared to have caused the damage.

Our client’s carrier tendered the claim to two subcontractors, who also denied liability due to insufficient evidence. Despite this, the carrier still held that our client was not liable and refused to pay the claim. Meanwhile, the hotel was demanding payment for the damages and threatening to withhold funds.

MMA engaged our Claims Practice to evaluate and resolve the incident. After a thorough analysis, we suggested that the initial investigation was incomplete and requested that the carrier continue gathering information on the events leading up to the loss. Additionally, to address the friction between the hotel and our client, we asked the carrier to share with both parties the efforts being made to resolve the matter.

Because of MMA’s strategic communication and ability to identify substandard processes, our client’s carrier agreed to conduct more research. They also informed the subcontractors’ carriers that they would file legal action against the subcontractors if those carriers did not respond on our client’s behalf.

A subcontractor notified the carrier that one of their employees had quit the day after the loss occurred. Then, after conducting more questioning, they learned that this same employee took responsibility for the damage.

Ultimately, the subcontractor’s carrier resolved the $430K claim for the hotel without our client having to contribute or incur any expenses. Without our push for further investigation, this valuable information would not have surfaced.

Learn more about MMA's Claims Management and solutions for the Construction Industry.

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Virtual event drives increase in EAP utilization

Client Industry: Municipality l 510 Employees

An MMA client expressed interest in raising awareness of behavioral health resources available to their employees, as well as destigmatizing mental health among their workforce. With historically low utilization of employee assistance program (EAP) services, the employer thought they could start there.

In partnership with their MMA Health Management Consultant (HMC), the client hosted a virtual panelist event with behavioral health practitioners representing their EAP, their medical carrier, and an in-network community-based counseling practice. Employees were encouraged to anonymously submit questions to the behavioral health panel that would be addressed during the live session. The topics of their inquiries included stress management, relationship challenges, substance use disorders, finding the right counselor, and more.

In the year following the virtual event, utilization of the EAP increased by over 44%. This increase was largely driven by the event’s interactive nature, which served as a vehicle for destigmatizing the topic of mental health while simultaneously promoting EAP resources.

Interested in strategies to spark new interest in your company EAP? Click here. Learn more about MMA's comprehensive wellness program by visiting our Dimensions of Well-being and accessing our playbooks.

Contact us today to see how we can help you and your business succeed!

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With experience in more than 20 distinct industries and solutions related to business insurance, surety, employee health and benefits, retirement, and private client insurance, MMA serves as an asset for all of your individual or business needs. Because we have the resources, we want to focus on you.

At MMA, we are passionate about helping our clients achieve their goals. No matter how unique your needs are, our industry specialists can provide you with tailored, successful solutions. Find out how today.