Office staff swept into the field class at policy bind
Receptionists, estimators, project coordinators, and bookkeepers routinely get coded as carpentry or masonry instead of clerical.
You’re overpaying workers’ comp. We’ll prove it in 48 hours.
Mid-size employers lose $20,000 to $150,000 a year from errors on their workers’ comp policy. Nobody catches it because nobody reviews the carrier’s math. We do.
Premium audit recovery is on contingency. No recovery, no fee.
What we find
The same five errors show up on most policies. Carriers don’t catch them at audit, brokers don’t look, and they compound year after year.
Commercial construction weekly payroll cap not applied
Most states cap premium-basis payroll for field workers on commercial work. Carriers regularly bill on full wages anyway.
Overtime premium not excluded from the basis
Workers’ comp rules exclude the premium portion of overtime pay. Carriers commonly bill on full gross wages anyway.
Executive officer payroll cap missed
Officer wages have a state-specific weekly cap. Founders and owners earning above the cap are routinely billed on full salary.
Outside salespeople buried in the primary class
A field BD rep at a restaurant chain or wholesaler gets coded into the company’s industry class instead of the much cheaper outside‑sales class.
Refund or credit, filed for you
We file the appeal package — cover letter, rule citations, duties affidavits, recalculation worksheet. You sign once and your carrier issues a refund check or premium credit.
Who we work with
Best-fit customers have employees who split between an office and a non-office environment, on the same policy. That single fact is the strongest predictor we’ve seen of material recovery.
Industries we audit
- Construction & trade subsOffice + Field Crews
- Restaurant & hospitalityAdmin + Floor Staff
- Trucking & logisticsDispatch + Drivers
- Hospitals & nursing homesClerical + Care Teams
- Building servicesBack Office + Site Labor
- LandscapingEstimators + Crews
- ManufacturingOffice + Production Floor
- Wholesale & distributionSales + Warehouse
- Multi-store retailHQ + Store Teams
- WarehousingAdmin + Operations
How it works
Five steps from first form to refund check. The first two are commitment-free and take you under five minutes of effort total.
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1
Tell us your industry and payroll
One short form: company name, state, industry, and estimated annual payroll. Enough for us to tell you whether there’s likely recovery on your policy. Five minutes.
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2
We run a fast initial assessment
Within 48 hours we’ll come back with a directional estimate of what’s recoverable and what we’d need to confirm it. If it doesn’t look meaningful, we’ll say so.
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3
You decide whether to proceed
If the numbers are worth it, you send your declarations page and a payroll export. We run the full audit and produce a per-employee, per-rule itemized report.
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4
We file the appeal with your carrier
Cover letter, rule citations, pre-filled duties affidavits for HR signoff, and a premium recalculation worksheet. You sign once and we ship it.
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5
You get a refund check or premium credit
We invoice 50% of recovered premium only after your carrier issues the refund or credit, typically within about 60 days of filing. No recovery, no fee.
Frequently asked questions
What does the assessment cost?
Nothing. We only invoice if your carrier issues a refund or credit we identified. The assessment itself is always free.
What’s your fee if you find something?
50% of recovered premium. Our deliverable is a fully cited appeal package: rule references, case law where relevant, and a transparent recalculation worksheet.
Will my carrier retaliate?
No. Premium audit appeals are a routine, well-defined part of workers’ compensation insurance. State rate bureaus publish the procedures, and carriers handle appeals as ordinary administrative matters.
How far back can recoveries go?
Generally three years (the typical state audit window). Older policies are usually out of reach, though there are exceptions for retroactive wage corrections and prior-period billing errors.
Do I need to switch carriers?
No. We work with your existing policy and existing carrier.
What if my policy is correctly classified and there’s nothing to recover?
We tell you so—in writing, with the rule citations showing why. A meaningful share of the policies we audit come back clean. That result is itself valuable: it’s confirmation your premium is being calculated correctly. We don’t charge for it.
Start your free assessment
Two minutes, no documents needed, recovery estimate in 48 hours.