Five years ago, Don Hall, VADA President and VADA GSIA Administrator, and Michael Allen, VADA GSIA General Manager, had a vision for transforming the association's workers' compensation program. They partnered with risk control experts from PMA Companies, the program's third-party administrator, and together took a holistic approach to the dealerships' diverse exposures by focusing on loss prevention, injury reduction, return to work, and safety education/training. Today, the 25,000 employees covered by the program are safer on the job, and their 298 members and more than 400 dealership locations are experiencing significant total cost of risk reductions.