WC Audit Recovery
Why this exists Get my free assessment

Workers’ compensation premium audit recovery

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.

Get my free assessment How it works

No recovery, no fee. We collect 50% of recovered premium—only after your carrier issues a refund or credit.

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.

Office misclass
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.
Construction cap
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
Overtime premium not excluded from the basis. Workers’ comp rules exclude the premium portion of overtime pay (typically 1/3 of combined OT or all of separately-tracked OT extra-pay). Carriers commonly bill on full gross wages.
Officer cap
Executive officer payroll cap missed. Officer wages have a state-specific weekly cap for premium purposes. Founders and owners earning above the cap are routinely billed on full salary.
Outside sales
Outside salespeople buried in the company’s 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.

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.

  • Construction GCs and trade subs
  • Restaurant and hospitality groups
  • Trucking and logistics
  • Hospitals and nursing homes
  • Building services and landscaping
  • Manufacturing with floor staff
  • Wholesale and distribution
  • Multi-store retail with warehouse

How it works

  1. 1

    Tell us your industry and payroll

    One short form: your company name, state, industry, and estimated annual payroll. That’s enough for us to tell you whether there’s likely recovery on your policy. Five minutes.

  2. 2

    We run a fast initial assessment

    Within 48 hours we’ll come back with a directional estimate of what’s recoverable on your policy and what we’d need to confirm it. If it doesn’t look meaningful, we’ll say so. We won’t waste your time.

  3. 3

    You decide whether to proceed

    If the numbers are worth it, you send us your declarations page and a payroll export. We run the full audit and produce a per-employee, per-rule itemized report. Each finding cites the specific manual rule and shows the dollar math.

  4. 4

    We file the appeal package with your carrier

    Cover letter citing the specific rule and the relevant rate bureau’s appeal procedure. Pre-filled duties affidavits for HR signoff. Premium recalculation worksheet. We handle everything; you sign and we ship it.

  5. 5

    You get a refund check or premium credit

    We invoice 50% of recovered premium only after your carrier actually issues the refund or credit. No recovery, no fee. We never charge for the assessment.

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.

Get your free assessment

Two minutes, no documents needed, recovery estimate in 48 hours.

We’ll respond within one business day. No documents required to start. If the initial assessment looks promising, we’ll let you know what to send next. We never share your data.