A fresh look at five years of workers' comp.
Across 249 reported claims over policy years 2021 through 2026, Just Salad's program shows steadily improving net rates against rising payroll, with concentrated exposure in Fall, Slip, or Trip losses driving 63% of total incurred dollars.
- $515,929 incurred from 65 Fall, Slip, or Trip claims · avg $7,937 per claim
- Three of the top five locations show repeat liquid-or-grease falls
- Open Fall reserves alone total $183,151, suggesting more development
- 5-year cumulative loss ratio 36.3% · indicates underwriting headroom
- 2025–26 reserves at $208,830 — heaviest of any program year
- NY drives 72% of claims and 63% of incurred dollars
Rate & exposure trends.
Net rate, loss rate, and the underlying payroll exposure across five policy periods. Despite a doubling of payroll, premium has stayed in a tight $407k–$536k band, reflecting the broker-led rate pressure on AmTrust.
Where injuries originate.
Sixteen distinct cause categories. Fall-related claims dominate dollar exposure; cuts and burns dominate frequency. The split matters for safety program design — frequency drivers respond to training, severity drivers respond to engineering controls.
Loss by store.
All 76 store locations with claim activity. Store 73 (Huntington) leads at $143,812 driven by a single open Fall claim. The top 10 stores account for 83% of total incurred — concentrated risk that responds well to targeted intervention.
A seven-state footprint.
New York anchors the program at 72% of claims and 63% of incurred dollars. Connecticut and Pennsylvania punch above their weight on severity per claim, while Florida and Massachusetts contribute frequency without material dollar exposure.
The shock losses.
Ten claims accounting for $629,727 — roughly 77% of total incurred dollars. Eight of the top ten are Fall, Slip, or Trip events; six are still open with active reserves. These are the file-level claims to manage closely with the TPA.
Active claim watchlist.
Sixteen open claims totaling $488,229 in incurred and $338,981 in reserves. Eleven sit in the current policy year and will drive 2025–26 development. Reserve concentration in Fall and Struck-By claims at recently-opened files merits a TPA review before the next valuation.
Layers of severity.
All 249 claims sorted into eight severity bands. The distribution is dramatic: 207 claims (83%) close at $1,000 or under, contributing only 4% of dollars. The 11 claims above $25k contribute roughly 75% of total incurred. This is the same Pareto story as the concentration curve, but stratified into operational bands the safety team can act on.
The data-driven advantage.
Beyond the standard loss summary, here's how Brady Risk thinks about Just Salad's program. Frequency-severity quadrants reveal where to spend remediation dollars; a Pareto curve quantifies claim concentration; loss development factors flag where reserves are still maturing; and benchmarking exposes outlier states. This is where strategy lives.
Pricing the renewal.
A $424,109 loss pick built from a 5-year average pure loss rate of 0.70 applied to projected payroll of $60.6M. Three premium scenarios at 60%, 65%, and 70% UW ratios bracket the renewal conversation, against an expiring net rate of 0.67 (calculated on basic + terror premium, since the loss projection itself excludes taxes & fees).
Pure Loss Pick · 5-Year Average
$60.6M projected payroll · 0.70 pure loss rate · benchmarks for the renewal conversation
Six recipes that move the loss pick.
For each top cause of injury, here's the recipe: ingredients (the targeted interventions), the investment estimate, the expected reduction percentage, and the year-1 dollar savings tied directly to the 2026–27 loss pick. Then below, the same logic applied at the store level for the five highest-priority locations.
Conservative gains on a well-priced program.
Just Salad's WC program is already operating at a strong baseline: a 36% cumulative loss ratio, net rate compression from 1.62 to 0.71, and a 60% improvement in frequency rate per $1M of payroll. The easy gains have been captured — the recipes here represent conservative, defensible reductions stacked on top of an already favorable rate. If implemented across all six causes, projected savings against the 2026–27 loss pick come to $77,854 on an investment of $59,000 — a 1.3x year-one return, with compounding effects over three years as cultural changes settle in and influence the experience mod.
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