Case Study Artex Light A company was dealing with a variety of hardships including a fluctuating insurance marketplace, difficult industry segment and challenging state insurance policies. Yet at the same time, they desired the ability to be rewarded for their improved risk performance. Artex proposes a guaranteed cost program, complete with unbundled service and claims components, which results in a lowered experience modifier, decreased loss ratio and annual rate reductions. The Situation A California logistics company was dealing with a fluctuating insurance marketplace, an unreceptive carrier market and a tough class with improving trends. Although their overall experience modifier was high, they had recently taken steps to improve their processes and remove some of the toug

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