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70% of ALL employers have overpaid on their workers' compensation premium costs.  7 out of 10 audits we perform, lead to some sort of recovery.


Workers' Compensation insurance is a major cost for businesses. History indicates most companies are unaware that they are paying more on past and current premiums then they should. This holds true regardless of the agent, broker and/or insurance carriers involved. 


This industry includes many working parts burdened with errors, costing businesses tremendous amounts of money. It is generally unknown that overpayments can be recovered from previously issued policies. 


Our team performs a review to determine if there is a significant opportunity for a lower rated classification, as they are typically determined by insurance company underwriters.


The Workers’ Compensation audit specializes in identifying premium overcharges, obtaining refunds and reducing premium cost for clients on a contingency fee basis. We will not switch your current provider. This is simply an audit review that will either lead to some sort of recovery of funds for errors that were found OR you will receive a free audit to know that everything has been done correctly.


We work with companies paying an average of $40,000 or more per year in premiums. Audits can be conducted in all states with the exception of the monopolistic states (WA, WY, ND & OH).


My insurance company just performed an audit. Why do I need your services? 

Insurance companies perform an annual audit to determine the actual payroll for the past policy year. The auditor, who works for the insurance company, is there to adjust your company’s estimated payroll to the actual payroll figures. The auditor is not there to locate overcharges on your behalf. 


What will my insurance company think? 

Insurance companies want to be sure the rules and regulations as mandated by the state department of insurance or the states Worker’s Compensation laws are followed. Our review will confirm the insurance company’s compliance with these rules and regulations. 


How much time will I have to personally spend on the review?

Total time spent by the client is typically an hour at the most during the course of the review. Client will be responsible for executing request for document letters and possible follow up by email or phone to agents/insurance carriers.

Average Recovery?

Average total recovery is 10-15% of a company's one year average annual premium. For example, if a company has been paying on an average $100,000 per year in workers' comp premiums, the average total recovery would be $10,000-$15,000.


How far back will a review go?

An overpayment can go back 5-7 years, however depending on the class codes and some restrictions some recoveries will only go back 3 years. 

Do I have to switch my Insurance Provider?

We do not sell insurance. We want you to keep your relationship with your current carrier. This is simply an audit review that will either lead to some sort of recovery of funds for errors that were found OR you will receive a free audit to know that everything has been done correctly. 7/10 reviews lead to some sort of recovery.

How long will is take to recover and receive my refund?

It will take us approximately 2 months to complete the audit and 1-3 months before you would receive a check from your insurance company. 


We start by auditing your work comp bill and deliver an easy-to-understand analysis – at no obligation and no cost to you. After reviewing the results of our work comp audit, you decide if you’d like to engage our services. We would then go to work on your behalf, with your existing insurance provider, to ensure that you are not overpaying and that the insurance carriers have and are applying every possible methods to reduce your cost. Our success is based on measurable results, and our fees are only a percentage of your savings.

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