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Workers' Compensation Insurance Premium Audit.

recover overpayments made to Your Work Comp Carrier From years ago!  Correct problems that will cost you In the future if not fixed now.

  • Contingency-fee (cost free), comprehensive, workers' compensation insurance premium audit.  

  • Errors that lead to overcharges on work comp are so numerous that we can easily afford this value proposition! 

  • Our success rate is more than 70%!

Performance-Based Pricing.  You will not receive an invoice from us until you have received a refund check or credit to your payment plan.


A Premium Audit reviews every element that contributes to the final premium bill on your current and prior 3 (sometimes more) policies:

  • Experience Mods

  • Payroll audits

  • Proper classification

  • NCCI rule compliance

  • State rule and reg compliance

  • Contractor's credit calculations

What If I'm Just Concerned About My EMR?

Even if you think you are only interested in assistance reviewing your experience modification rate, it is important that your consultant go through this process anyway.  If you are being advised elsewhere that it's not necessary to have a comprehensive audit to determine the accuracy of your  experience mod, we strongly disagree.  

Class Codes And Payroll Impact Your

Experience Modification Rate

Your experience mod is a valuation of your actual losses measured against expected losses.  Actual losses are obtained from your loss runs, and errors in claims reporting and rule compliance can and do occur.  However, expected losses are determined by the classification codes assigned to your employees and work comp payroll.  Your insurance carrier determines both of these.  If errors are made in the proper classification of your workers and/or ensuring you are receiving all of the work comp related payroll credits and deductions to which you are entitled, your experience modification rate is wrong.

Furthermore, there may be numerous other ideas, services, etc. from which you could benefit.  However, we can't make any informed recommendations about, say, cost-containment services before having a thorough understanding of your operations, claim trends or tendencies, etc.  A premium audit helps us develop this comprehensive understanding of your unique circumstances. 

In addition to saving money and obtaining refunded overpayments from a premium audit, other cost saving opportunities can and do arise from a premium audit.  It would be a good idea to take a look at our warning signs and reach out if you'd like assistance for any other reason.  

COVID-19 Related Issues

Your Next Workers Comp Audit

Stuart Cytron


(314) 757-8079 t

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